On your credit card statement, you may see a charge from Audubon Orthotic & Prosthetic Services.
Please note, this is the CSOG orthotic, prosthetic, and bracing service department.
If you have questions about these charges, please call our billing department at 719-867-7346
If you are surgical patient, you will receive a bill from our surgery center: The Orthopedic and Spine Center of Southern Colorado
Please click the button below to pay this bill
*** You may not pay this bill through your CSOG patient portal ***
If you are a surgical patient, you will receive a separate bill for Anesthesia. Please note this group that administered your Anesthesia is not directly associated with CSOG therefore, please follow the payment instructions outlined on your bill.
For questions, please contact the appropriate number outlined on your bill.
Please note, those having surgery will receive three total bills:
Please contact the CSOG Billing department if you have any questions concerning any of your surgical bills.
Click the button below to access the CSOG Online Bill Pay Portal.
For your convenience, we accept cash, checks, Visa, MasterCard, and Discover.
Copays are the fixed amounts that you pay for medical services or prescriptions when you receive care. Unlike coinsurance, which is a percentage of the total cost, copays are set amounts that stay the same regardless of the service price.
Pay at the Time of Service: where you will pay your copay anytime you go in for care—whether it’s a doctor’s visit, physical therapy session, picking up a prescription, etc.
Fixed Cost Per Visit: Your copay amount will not change regardless of your total visit bill.
Type of Visit: it is important to note, you may have different copay amounts depending on the type of service/provider needed. For example, you might pay $30 when seeing a specialist or $50 for an urgent care visit. This information can be found on the back of your insurance card.
CoPays Do Not Count Toward Your Deductible: Copays usually do not go toward your deductible however, they will typically count toward your out-of-pocket maximum.
Know Your Copays: Check your insurance card or with your plan provider to understand any copay differences for various services or specialists.
Be Prepared: Bring your copay amount via cash, card, or check to your appointment to avoid any billing issues.
Stick with In-Network Providers
Please note, your copay is determined by your insurance plan selected by you during your employers/insurance providers open enrollment period. We legally cannot wave your copay amount at any visit.
If you have questions regarding your copay, please contact your insurance provider by the phone number on the back of your insurance card.
Coinsurance is the percentage of medical costs a patient is responsible for paying after they have met their health insurance deductible. Unlike a copay, which is a fixed amount, coinsurance is calculated as a percentage of the total cost of a covered service.
For example, if a patient has a health insurance plan with 80/20 coinsurance, it means the insurance covers 80% of the medical costs, and the patient is responsible for the remaining 20%.
Meet the Deductible: Before coinsurance kicks in, you must meet your annual deductible. For example, if the deductible is $1,000, you must pay that amount out-of-pocket first.
Apply Coinsurance to Remaining Costs: After the deductible is met, coinsurance applies to eligible orthopedic services. For instance, if an MRI costs $2,000 and the plan covers 80%, your insurance will pay $1,600, and you will pay $400.
Out-of-Pocket Maximum: Once you’ve reached your out-of-pocket maximum (including deductible, coinsurance, and copays), the insurance company typically will cover 100% of any additional covered expenses for the remainder of the policy year.
Verify Coverage: Check with your insurance provider to understand what orthopedic services are covered and at what coinsurance rate.
Use In-Network Providers: Coinsurance rates are typically lower when using in-network orthopedic specialists.
Budget for Costs: Be prepared for out-of-pocket expenses by knowing your deductible and coinsurance percentages upfront as determined by your selected insurance provider
Please contact your insurance provider to confirm your selected insurance benefits including coinsurance, copay, and additional coverage terms.
Deductibles are the amount you are required to pay out-of-pocket for medical services before your health insurance will begin covering costs. Once you’ve met your deductible, your insurance will begin covering a portion or all of your remaining medical expenses, depending on your chosen plan during your employers/insurance providers open enrollment period.
Meet Your Deductible First: You’ll pay the full cost of orthopedic services (like doctors visits, MRIs, physical therapy, or surgery) until you’ve reached your deductible. For example, if your deductible is $1,500, you will pay $1,500 out-of-pocket before your insurance begins sharing costs.
Coinsurance Kicks In: After you’ve meet your deductible, your insurance typically covers a percentage of your care. Many plans include a 80/20 split, where the patient will pay 20% of the bill, while the insurance will cover the remaining 80%.
Out-of-Pocket Maximum: Once you’ve hit your out-of-pocket maximum, your insurance will cover 100% of covered expenses for the remainder of the policy year. Please contact your insurance provider to confirm your plans covered expenses.
Know Your Deductible Amount: Prior to seeking care, confirm your insurance plan terms so you understand how much you are required to pay before your plans coverage kicks in.
Track Your Spending: Keep an eye on your medical expenses through your medical bills and insurance plan portal to know when you’ve met your deductible.
Plan for Larger Costs: If you know you’ll need major orthopedic care, budget for meeting your deductible early in the year. This can help you optimize your insurance plan, hitting your out-of-pocket maximums and receive 100% coverage before the end of your plan year.
Please note, your deductible is determined by your insurance plan selected by you during your employers/insurance providers open enrollment period.
If you have questions regarding your deductible, please contact your insurance provider by the phone number on the back of your insurance card.
Flexible Spending Accounts (FSA) are special savings accounts that let you set aside pre-tax money to pay for eligible medical expenses. This means you don’t pay taxes on the money you put into your FSA, which can save you a significant amount on healthcare costs throughout the year.
Contribute Pre-Tax Money: You decide how much to contribute from your paycheck (up to the IRS limit), and the funds are available at the start of the plan year. It’s important to note, FSA funds DO NOT roll over to the next plan year therefore, if you do not use the funds, you will lose the funds.
Pay for Eligible Expenses: Use your FSA to cover out-of-pocket costs such as copays, deductibles, physical therapy, surgery, medical equipment, and even prescription medications. Check with your insurance provider to confirm what medical expenses can be paid for with FSA funds.
Use It or Lose It: It’s important to note, most FSA funds DO NOT roll over to the next plan year therefore, if you do not use the funds, you will lose the funds. Some plans offer a grace period or allow you to carry over a small amount. You will need to confirm the terms of your FSA with your insurance provider.
Plan Your Contributions: Estimate your expected healthcare expenses to determine how much of your pre-tax income to allocate towards your FSA.
Keep Your Receipts: You may need to provide proof that your expenses are eligible when submitting for reimbursement.
Use Your FSA Debit Card: Some plans offer an FSA debit card to make paying for eligible expenses quick and easy. Please contact your insurance provider to confirm their FSA payment method(s).
Health Savings Accounts (HSA) are savings accounts that let you set aside pre-tax money to pay for qualified medical expenses and are available for individuals who have opted into a high-deductible health plan (HDHP). The money in your HSA will roll over year to year, so you never lose it, and it can be invested to grow tax-free over time if you so choose. Contact your health insurance provider to confirm HSA terms and qualified medical expenses.
Contribute Pre-Tax Money: You contribute funds directly from your paycheck or make contributions on your own, up to the annual IRS limit. Please visit the IRS website to confirm this year’s HSA limits.
Pay for Eligible Expenses: Use your HSA to cover out-of-pocket orthopedic and other medical expenses such as deductibles, copays, physical therapy, surgery, and even prescription medications. Contact your health insurance provider to confirm your qualified medical expenses.
Let It Grow: Unlike an FSA, HSA funds roll over year to year, therefore you can save for future medical expenses, including retirement healthcare costs.
Invest Your Savings: Many HSA accounts let you invest your balance in stocks, bonds, or mutual funds to potentially grow your savings tax-free. Contact your health insurance provider to confirm your HSA terms and investment opportunities.
Max Out Contributions: To obtain the greatest tax benefits, it’s recommended that you contribute the maximum allowed each plan year.
Keep Your Receipts: there may be a time when you need to provide proof of qualified expenses.
Build a Health Cushion: If you don’t need the funds right away, it’s recommended to let your balance grow for any potential future healthcare costs.
At CSOG, we believe in price transparency and are committed to helping you understand your orthopedic care costs. We’re happy to provide an estimate of your anticipated expenses, so you can make informed decisions about your treatment. Please contact our Billing Department at (719) 867-7346 for an estimate
Please note, estimates are subject to adjustments based on unforeseen circumstances and service needs therefore, your final bill may increase or decrease appropriately.