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What you need to know if you have insurance...

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If we schedule your appointment through Skype, Facetime or Whatsap, we may ask you to send a copy of the front and back of your card through our secure email as soon as possible to give us time to check eligibility of your insurance before the appointment.  This email address is being protected from spambots. You need JavaScript enabled to view it.

If your appointment is in the office, please bring the cards in case we need to check them. 

PATIENT RESPONSIBILITY:
Provide accurate current insurance information.
In order for us to submit a clean claim in a timely manner, you must provide us with you current insurance cards and member information prior to services being rendered for each visit.  Otherwise, you risk claim rejections and additional out of pocket expenses. 

We will file your charges to your insurance if we participate with your plan and you provide filing information at the time of your visit.

If you have coverage through multiple insurance carriers, you need to know which is primary and which is secondary before your visit. If you are not sure, contact both insurance companies before your visit.  They can provide that information to you.

It is important that you notify our office of any changes in name, address, phone and insurance at each visit. 

Provide Referrals when required by your insurance:
Click on 'Referrals' under the Insurance tab for more information.

Provide any requests for information immediately upon request from the insurance company or from our office as needed to get your claim processed.

Pay co-pay at check-out:
Copays are due at the time of your visit.  
For your convenience, we accept the following forms of payments:

  • Check
  • Cash  
  • MasterCard
  • Visa
  • Discover
  • American Express

UNDERSTANDING IMPORTANT BILLING TERMS:
This information is provided to help you understand your medical bills. 

  • Allowed amount: The maximum amount your insurance will pay for covered services.  If we participate with your plan, we will adjust off the amount that is higher than the allowed amount.
  • Deductible: The amount you pay each year for covered medical services before your insurance will pay.  Most insurances have a yearly deductible.
  • Coinsurance: The percentage of the allowed amount you pay for covered services after you meet your yearly deductible.
  • Copay: This is a fixed amount that you pay for certain services, such as an office visit.  Some plans apply a copay each time you come into the office while others only apply a copay if we bill for an office visit.
  • Out-of-pocket maximum: The total amount you pay fo the deductible and coinsurance in a covered period.

 

 

Insurances We Accept

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Scroll down for a list of plans that we accept.

  1. MarketPlace Plans (HealthCare.gov) 2026
  2. Medicare plans  
  3. Commercial plans  

note:
*  = Non-Par. We are not contracted with the plans marked with an asterisk, but we will accept your plan if you have out of network benefits. This usually results in higher out of pocket costs for you. It is your responsibility to know the impact of your out of pocket costs to use an out of network provider.

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1.  MARKETPLACE PLANS (HealthCare.gov)    2026 

Accepted MarketPlace Plans
UnitedHealthcare - Bronze, Silver and Gold 

Not Accepted MarketPlace Plans (no benefits)
Ambetter  
Anthem Pathway and Pathway X    
Medica (includes Wellfirst by Medica or Balance by Medica) offers multiple options.
Oscar Insurance Company  

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2. ACCEPTED MEDICARE HEALTH PLANS

* AARP Medicare Advantage from UHC ST: Walgreens PPO  
       - (excluding AARP Medicare Advantage from UHC ST: any HMO-POS - no benefits)

Aetna Medicare Advantage Plans

  • Elite PPO  -  H1608-050  
  • Value Plus HMO-POS  - H0523-074
  • Signature HMO/POS  -  H2663-005   replaced Gold Advantage
  • Signature PPO -  H1608-067   replaced SmartFit
  • Enhanced Extra HMO/POS  - H2663-006   replaced Choice Plus
  • Ehnanced PPO  -  H1608-013   replaced Premier PPO
  • Chronic Care HMO C-SNP  H2663-102  

* Anthem Medicare Advantage PPO  
     - (excluding Anthem Medicare Advantage HMO/POS - no benefits)
* Essence Advantage Choice PPO and Choice Plus PPO  
     - (excluding Essense Advantage HMO, Select HMO, Plus HMO - no benefits)
* Humana Choice - any PPO and PFFS plan  
     - (excluding Humana Gold Plus, any HMO plan - no benefits) 
Medicare (traditional)
Medicare Supplement - If your secondary card reads 'Medicare Supplement', this works along with your traditional Medicare card. 
RailRoad Medicare
* United HealthCare Medicare Advantage Plans
       * United HealthCare (Medicare) Complete Care PPO - CSNP
       * United HealthCare Medicare Advantage PPO     
       * United HealthCare GROUP Medicare Advantage PPO  
       * United HealthCare  Medicare Advantage AM-0002 (Regional PPO) R3444-012-000 
       * United HealthCare Complete Care MO-1 (PPO C-SNP) H2001-055-000  
       * United HealthCare Complete Care Support AM-1A (Regional PPO C-SNP) R3444-008-000 
      * United HealthCare Complete Care AM-1 (Regional PPO C-SNP) R3444-009-000  
      - (excluded plans include United HealthCare GROUP Medicare Advantage HMO, United HealthCare Dual Complete HMO-POS D-SNP, United HealthCare SNP Plans - including Complete Care, Dual Complete, Care Advantage, Nursing Home Plan - no benefits)

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3. ACCEPTED COMMERCIAL HEALTH PLANS 
* Allsavers (UHC)
Aetna
Aetna Hmo   
     - (excluding Aetna Carelink, Aetna CVS Health, Aetna IFP (Individual Famly Plans shown as Gold, Sivler or Bronze) - no benefits)

Anthem

  • Blue Access and Blue Access Choice   
  • Blue Preferred HMO      referral required
  • Blue Preferred PPO     
  • FEP (Federal)             
  • Mercy - Blue Access or Blue Access Choice only. 
         - (excluding Anthem Alliance Network - no benefits)
  • Other excluded plans include (there will be no benefits) 
             - Anthem Pathway or Pathway X
             - Anthem Direct Access
             - Anthem Multi-State
             - Anthem Alliance network  

BCBS - (Blue Cross/Blue Shield)  see Anthem
Cigna HealthCare of St., Louis HMO   referral required
Cigna Local Plus      check insurance card regarding referral
Cigna Open Access Plus
Cigna HMO 
Cigna PPO 
* Golden Rule (UHC)
* Healthlink PPO, POS, HMO-OA III  Non-Par with out of network benefits terminated 09/30/2024. Check to see if your plan has out of network benefits. They will probably apply the allowed amounts to your deductible.
      - (excluding Healthlink HMO - no benefits / terminated 09/30/2024)

Humana Commercial Products - we participate in CHOICE CARE only
Humana Medicare Supplement
IBEW  (processed by Cigna)
Mercy Anthem Blue Access Choice 
     - (excluding Mercy Anthem Alliance - no benefits)
Medico Corp Life Insurance
Meritain
Solidarity HealthShare
Tricare for Life Medicare Supplement  
     - (excluding all other Tricare - no benefits)
UFCW 
* United HealthCare Plans 
     * UHSS
     * UMR
     * United HealthCare: Surest Bind
     * Union Pacific RailRoad
     * United HealthCare: Choice & Choice Plus, Allsavers, Core
     * United HealthCare Compass, Navigate, Charter   referral required

Known Commercial Plans that our NOT ACCEPTED
This is not a complete list of plans we do not participate with.
These plans provide no benefits in our office and you will be self pay.

Ambetter 
Balance  (Medica)  
Beech Street PPO
Champus/Champva
Coventry Health Care of Missouri  
Essence HMO  
Exclusive Choice  
First Health 
Medica  
Medicaid or any Medicaid HMO or PPO product 
MultiPlan - terminated 09/30/2024
Oscar Insurance Co  
PHCS   terminated 09/30/2024
SSM & SSM CoreSource   
USAQ Managed Care Organizaion - terminated 09/30/2024
Wellfirst  (Medica)  
Zelis  terminated 09/30/2024

 



 

 

 

 

 

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Filing claims with Aetna.......

Office Information

14377 Woodlake Dr.
Suite #111
Chesterfield, MO 63017

Phone: 314-434-1111
Fax: 314-434-1112

Copyright © 2026 Laura Wagner, MD. All Rights Reserved.
14377 Woodlake Dr. #111 • Chesterfield, MO 63017
314-434-1111

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