Billing and Insurance (2023)

• Micheal Durham, D.O.
• Michelle Helton, D.O.
• Michael Ledbetter, D.O.
• Amy Lockhert, M.D., FAAFP
• James Neill, M.D.
• Shari Neill, M.D.
• Deborah King, FNP

• Evgeniya "Eugenia" Banina, M.D.
• Randall Barnes, D.O.
• Virginia Nagy, M.D.
• Julie Russell, FNP
• Zubair Khan, M.D., FACC
• Amy Thompson, M.D.
• Kim Farris, MSN, APRN, FNP, NP-C
• Patience McCoy, ACNP, PhD
• April Miller, MSN, APRN, FNP-C

• Chelsie Deardeuff, APRN, FNP-C
• Zubair Khan, M.D., FACC

• Jeffrey Fears, M.D.
• Christine Livek, M.D.
• Dale Lockhert, M.D.
• Hilary English, MSN, APRN, FNP-C
• Laura Thompson,FNP-C

• Anton Kosov, M.D.
• Angela Thill, MSN, APRN, FNP-C
• Zubair Khan, M.D., FACC
• Miriam Carr, FNP-C
• Kim Farris, MSN, APRN, FNP, NP-C
• Lyndsay Funke, MSN, APRN, FNP-C
• Patience McCoy, ACNP, PhD

• C. David Eastep, MPAS, PA-C
• Greg Miller, M.D.
• Neil Schwartzman, M.D.
• Dan Johnson, MSN, APRN-BC
• Laura Seaman, FNP-C

• Heidi Calipjo, M.D.
• Kimber Guinn, DO
• Mark Jones, D.O.
• Trent Russell, M.D., MHA, FAAP
• Mark Shen, D.O., CMD, HMDC
• Kristen Theobald-Hazel, D.O.
• Kimberly Collins, MSN, FNP-BC
• Stacy Sederwall, FNP-C, PMHNP-BC

• Randall Barnes, D.O.
• John Brand, D.O.
• Michelle Helton, D.O.
• Amy Lockhert, M.D.
• Keil Bluhm, PA-C
• Miriam Carr, FNP-C
• Kimberly Collins, MSN, FNP-BC
• Errica Coon, FNP
• C. David Eastep, MPAS, PA-C
• Craig Eden, FNP-BC
• Kari Little, FNP
• Jasper Osborn, PA
• Brandon Reeves, PA
• Rene Revelle, FNP
• Stacy Sederwall, FNP-C, PMHNP-BC
• Cherie Sommer, FNP
• Jennifer Vargas, FNP
• Jessica Whitworth, FNP-C

• Randall Barnes, D.O.
• John Brand, D.O.
• Michelle Helton, D.O.
• Amy Lockhert, M.D.
• Keil Bluhm, PA-C
• Miriam Carr, FNP-C
• Kimberly Collins, MSN, FNP-BC
• Errica Coon, FNP
• C. David Eastep, MPAS, PA-C
• Craig Eden, FNP-BC
• Kari Little, FNP
• Jasper Osborn, PA
• Brandon Reeves, PA
• Rene Revelle, FNP
• Stacy Sederwall, FNP-C, PMHNP-BC
• Cherie Sommer, FNP
• Jennifer Vargas, FNP
• Jessica Whitworth, FNP-C

• Randall Barnes, D.O.
• John Brand, D.O.
• Michelle Helton, D.O.
• Amy Lockhert, M.D.
• Keil Bluhm, PA-C
• Miriam Carr, FNP-C
• Kimberly Collins, MSN, FNP-BC
• Errica Coon, FNP
• C. David Eastep, MPAS, PA-C
• Craig Eden, FNP-BC
• Kari Little, FNP
• Jasper Osborn, PA
• Brandon Reeves, PA
• Rene Revelle, FNP
• Stacy Sederwall, FNP-C, PMHNP-BC
• Cherie Sommer, FNP
• Jennifer Vargas, FNP
• Jessica Whitworth, FNP-C

• Angela Breckenridge, D.O., FACOOG
• Amy Thompson, M.D.
• Becky Watson, M.D., FACOG
• Katie Helton, MSN, APRN, FNP-C
• April Miller, MSN, APRN, FNP-C
• Tilly Schmidt, DNP, APRN, WHNP-BC, CPC

Oftentimes, non-Lake Regional Health System providers are involved in your care. Your services may have included an emergency department physician or radiologist, for example, and they will bill you separately. Their bill may or may not be eligible for a discount, and you will need to discuss their practices with each of them.

If you received services from the following providers, they will bill you separately:

• Boyce and Bynum (Pathology) 800.392.2748
• Camden Emergency Group 888.703.3301 (ER Physician)
• Lake Ozark Anesthesiology 573.302.1661
• Lake of the Ozarks Radiology 800.841.4236
• Lake Regional Medical Group 573.302.2840
• Staff for Life (Helicopter) 314.655.4032
• Lab Corp 800.845.6167
• Quest Diagnostic (Lab) 800.646.7788

All patients should familiarize themselves with the terms of their insurance coverage. This will help you understand the hospital's billing procedures and charges. If there is a question about your insurance coverage, a member of the Patient Financial Services department will contact you or a member of your family while you are here.

We will need a copy of your insurance identification card. We also may need the insurance forms that are supplied by your employer or your insurance company. You will be asked to assign benefits from the insurance company directly to the hospital.

All commercial insurance benefits not contracted with the hospital will be accepted and billed to the insurance company as a courtesy to our patients. Any amounts not paid by the commercial insurance company will be billed to the patient.

If you are unable to make payment in full, please call to make acceptable payment arrangements. Payment may be remitted by check, money order, Visa, MasterCard, Discover or American Express.

Your plan may have special requirements, such as a second surgical opinion or precertification for certain tests or procedures. It is your responsibility to make sure the requirements of your plan have been met. If your plan's requirements are not followed, you may be financially responsible for all or part of the services rendered at the hospital. Some physician specialists may not participate in your health plan, and their services may not be covered.

View the insurance plans contracted with Lake Regional Health System.

Why did I receive a bill if I have insurance coverage?
You will receive a bill after your insurance processes our bill. The amount you are billed for is based on what your insurance communicates to us on an Explanation of Benefits (EOB). Your insurance also mails you an EOB, which details how your insurance processed our bill and calculated your responsibility based on your insurance plan. If you believe your responsibility is not correct, please contact your insurance carrier directly (check your insurance card or EOB for the phone number).

What should I do if I'm unable to pay my bill?
Patients who need to make monthly payments can request 0% interest and no credit check with Commerce Bank’s Health Services Financing. The minimum initial balance to start is $250, but there is no minimum when you add future balances. To get started, call Lake Regional Patient Financial Services at 573.348.8798 or 877.836.2844. Please note that to ignore the bill or send in less than full payment without contacting us may cause your bill to progress through collections process, including transfer to a collection agency, where it may appear on your credit report.

I have a question regarding self-administered drugs and my Medicare Part D coverage with my bill.
Medicare regulations require hospitals to bill patients for drugs that patients are able to take by themselves at home even when they are hospitalized. Items that fall into this category could include lozenges, pills and self-injections of insulin. Even though the medications are provided by the hospital for safety reasons, Medicare does not pay for the same ones that you take at home. Unfortunately, this is a Medicare cost-savings policy that we are required to follow.

How do I tell what my insurance will cover?
You can call your insurance company, or you should have received a plan coverage booklet from either the insurance company or your employer.

I still have questions/concerns about my bill.
If you still have question or concerns about your bill or payment options, please call our customer service reps at 573.348.8798.

The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.

After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.

• Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. Check your plan for details.
• All Marketplace health plans pay the full cost of certain preventive benefits even before you meet your deductible.
• Some plans have separate deductibles for certain services, like prescription drugs.
• Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.

Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles.

A fixed amount you pay for a covered health care service after you have paid your deductible.

Let's say your health insurance plan's allowable cost for a doctor's office visit is $100. Your copayment for a doctor visit might be $20.

• If you have paid your deductible: You pay $20, usually at the time of the visit.
• If you have not met your deductible: You pay $100, the full allowable amount for the visit.

Copayments (sometimes called "copays") can vary for different services within the same plan, like drugs, lab tests, and visits to specialists.

Generally, plans with lower monthly premiums have higher copayments. Plans with higher monthly premiums usually have lower copayments.

* Co-payments may be in lieu of the deductible depending on the plan’s specific benefit structure.

The percentage of costs of a covered health care service you pay after you have paid your deductible.

Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%.

• If you have paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest.
• If you have not met your deductible: You pay the full-allowed amount, $100.