Arizona Institute for Bone & Joint Disorders, Comprehensive orthopedic care, Serving Phoenix and Glendale, Arizona
Arizona Institute for Bone & Joint Disorders, Comprehensive orthopedic care
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Arizona Institute for Bone & Joint Disorders

Insurance and Billing

You are personally responsible for payment of your account regardless of the type of medical coverage you have. As a courtesy, our office will file your primary insurance forms for you.

Insurance Plans Accepted

Please check back soon for a complete list of accepted insurance plans.

Insurance Verification

You will need to provide our office with your insurance verification card. Also, if you change your insurance coverage please inform our office of any updated insurance information. We suggest that you personally contact your insurance company prior to surgery to determine your benefits and to ascertain if your insurance company requires a second opinion. When you contact your insurance company, you should verify the extent of coverage for surgeon fees, hospitalization, surgery, recovery centers, anesthesiologist fees, diagnostic testing, rehabilitation equipment and physical therapy.

Please remember that verification and/or pre-certification is not a promise of payment from your insurance company. The patient is still responsible for payment of the bill. However, we will submit a claim for any services to your primary insurance carrier and provide you with the information you may need for secondary insurance. If you have additional questions please contact our business office at (602) 553-3113.

Payment Policy

Our policy requires that all office visit charges be paid at the time of service. We accept cash, personal checks, Mastercard and Visa for payment of charges. You will receive a monthly statement itemizing charges and your current balance. Any arrangements for extended payments need to be addressed with our business office at (602) 553-3113. If your account is past due and you have not made payment arrangements with the business office, we will need to take additional collection measures.

Surgery Deposit

A deposit may be required prior to your surgery, depending on your type of insurance coverage. If a deposit is required, you will be contacted by the business office prior to surgery.

Post Operative Charges

Office visits after surgery are included in the fee for your surgery for a specified period of time usually 90 days or Less, depending on the type of surgery performed. X-rays and other services or supplies provided after surgery are not included in the surgery charges and you will be responsible for payment of these charges.


Our physicians accept Medicare assignment. This means that Medicare pays us directly and you are responsible for 20% of Medicare's allowed charges, assuming your deductible has been met. We will provide you with the information you may need for your supplemental insurance carrier.

Workman's Compensation

On your first visit for an industrial injury, a 102 Form must be completed. If you have not already done this, please ask to speak to the industrial account representative. Information and forms must be given to the receptionist at the time you check in.


We have contracted with certain managed health care plans in which we have agreed to accept the fee schedule amounts established by these plans. The various plans have different deductibles, co-payments and co-insurance which you will be responsible for paying at the time of service.

You should familiarize yourself with your plans financial requirements as well as protocol requirements for referrals, preauthorization and second opinions.

Indemnity Plans

Indemnity insurance plans pay according to their reasonable and customary fee schedules. We are not contracted with these insurance companies. Therefore, you will be responsible for paying the difference between our charges and their reimbursement.

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