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.  Plans marked with an asterick after them indicate that even though we are not contracted with the plans, you probably have out of network benefits. This usually results in higher out of pocket costs for you due to higher deductibles, copays and co-insurance. It is your responsibility to know the impact of your out of pocket costs to use an out of network provider. Check with your plan.

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1.  MARKETPLACE PLANS (HealthCare.gov)    2026 

Accepted MarketPlace Plans
UnitedHealthcare - Bronze, Silver and Gold 

We DO NOT accept the following 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  * (excludng HMO-POS)
Aetna Medicare Advantage Plans

     * Signature HMO/POS,  Signature PPO 
     * Enhanced Extra HMO/POS,   Enhanced PPO 
     * Chronic Care HMO C-NSP, Elite PPO, Valus Plus HMO-POS
Anthem Medicare Advantage PPO *  (excludes HMO/POS)
Essence Advantage Choice PPO & Choice Plus PPO  ​* (excludes Select, Plus, any HMO)

Humana Choice - any PPO and PFFS plan *   (excludies Gold Plus, any HMO plan) 
Medicare (traditional)  and Medicare Supplements 
RailRoad Medicare
United HealthCare Medicare Advantage Plans  (UHC)  * 

• Medicare Advantage PPO  (excludes HMO)
• GROUP Medicare Adntage PPO  (excludes HMO)
• Medicare Complete Care PPO C-SNP  (excludes HMO)     

         (also excluded; all HMO, HMO-POS, D-SNP, SNP, plans and Complete Care, DualComplete, Care Advantage, Nursing Home plans)   

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3. ACCEPTED COMMERCIAL HEALTH PLANS 
Allsavers (UHC) *
Aetna,  Aetna Hmo   
     (excludes 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 may be required, Blue Preferred PPO
• FEP (Federal)             
• Mercy - Blue Access or Blue Access Choice only.
  (excludes plans using the Alliance Network)
• (also excluded, Pathway or Pathway X, Direct Access, Multi-State, Alliance network)

BCBS - (Blue Cross/Blue Shield)  see Anthem
Cigna HMO - HealthCare of St. Louis, Inc HMO/Network
Cigna HMO - Missouri Net-Net POS Seamless
Cigna Local Plus      
Cigna OAP - Cigna Clearity
Cigna OAP-  Open Access Plus, OA Plus, ChoiceFund OA Plus
Cigna PPO - Choice Fund PPO
Cigna Select - not covered. BJC employees have this option. No Benefits.
Golden Rule (UHC)  * 
Healthlink PPO, POS, HMO-OA III  *  (excludes HMO)
​Humana Commercial Products - we participate in CHOICE CARE only
Humana Medicare Supplement
IBEW  (processed by Cigna)
Mercy Anthem Blue Access Choice (excludes Mercy Anthem Alliance)
Medico Corp Life Insurance
Meritain
Solidarity HealthShare
Tricare for Life Medicare Supplement (excludes all other Tricare)
UFCW 
United HealthCare Commercial Plans * 

•  United HealthCare Choice & Choice Plus, Allsavers, Core 
•  United HealchCarae Compass, Navigate, Charter referral may be required
•  UHSS
•  UMR
•  United HealthCare: Surest Bind
•  Union Pacific RailRoad        

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 
Oscar Insurance Co  
PHCS   
SSM & SSM CoreSource   
USAQ Managed Care Organizaion - terminated 09/30/2024
Wellfirst  (Medica)  
Zelis