Insurance Billing

New appointments require a valid credit card for confirmation. All patients will be asked to sign an agreement allowing Northwestern Surgical Associates to charge their on-file credit card for any unpaid balances at three months after the date of service. NSA’s primary billing service is M.L. Medical Billing, and Dr. Steven J Stryker’s billing service is MARCA. They send a monthly statement for outstanding balances. If a co-payment is required, please be prepared to pay with cash, check or credit card upon signing out after your clinic visit.

NSA participates in most of the same insurance plans as Northwestern Memorial Hospital. For health insurance plans that our surgeons do not participate in, services are usually covered as an ‘out of network’ provider. This means different rules and different rates of reimbursement, depending on the individual plan.

Patients with out-of-network insurance plans must be cleared by Northwestern Memorial Hospital's Financial Counseling Department prior to final scheduling of their surgery. If these patients are not financially cleared 48 hours prior to the requested surgery date, their surgery will be cancelled.

Please check with your individual health plan for your out-of-network benefits, if one of our surgeons does not participate in your plan.

M.L. Medical Billing: (847) 770-6067

MARCA Billing: (773) 884-4500

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