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Billing and Insurance

Lake Regional financial counselors are available to help you understand your hospital bill and make the payment process more manageable. You can call us Monday through Friday, 8 a.m. to 4:30 p.m., at 573.348.8798. Or, visit us in person in Patient Financial Services, located near the hospital's main lobby.

To see your options for making a payment, go to Pay My Bill.

To view accepted insurances, including through the Health Insurance Marketplace, go to our Accepted Insurances page.

Medical Billing Information

Lake Regional Health System will bill your primary and secondary insurances for you. This includes Medicare, Medicaid and managed care plans. You will not receive a bill from us until your insurance company has finished paying its portion of your claim. If you are unable to make payment in full, please call to make payment arrangements.

Pricing Transparency

Patients and their families deserve useful information about the price of their care, but it's not always easy to predict what is needed to treat an illness or restore a person's health.

The Affordable Care Act (ACA) requires that hospitals report annually and make public a list of hospital charges for items and services. Lake Regional Hospital patients can find pricing information through the Missouri Hospital Association website at focusonhospitals.com.

Financial Assistance

If you are uninsured or need financial assistance, our Patient Financial Services staff will be happy to discuss financial arrangements with you and assist you in applying for Medicaid or other governmental assistance programs, as needed.

If you have been rejected by Medicaid or are otherwise ineligible and are financially unable to pay your hospital bill, you may qualify for assistance under the hospital's uncompensated care program. Patient family income is the primary criteria for determining eligibility following the U.S. Department of Health and Human Services' poverty guidelines. If income exceeds the poverty guidelines, you may be eligible to receive a partial write-off.

For more information, call 573.348.8727.

Financial Assistance Program Summary

If you do not have insurance, you may qualify for financial assistance under the hospital’s Uncompensated Care program. Family income determines your eligibility for this discount. If your income is below 200% of the Federal Poverty Guidelines (FPG), you will be eligible for a complete write-off of the bill for your services. If you qualify, all services provided in the 12 months before and 6 months after your application is approved will be included in the Financial Assistance write-off. If your family income is between 200% and 400% of the FPG, you will be eligible for a Self Pay discount. The Self Pay discount will vary based on income. Self Pay accounts with incomes in excess of 400% will receive a discount of 35%.

How to Apply

To apply for Financial Assistance or for a Self Pay discount, you must complete a Financial Assistance Application and provide additional information that confirms your financial situation. Applications and a list of the required financial information are available to download here or by visiting or calling a customer service representative at the hospital. The Financial Assistance Policy and application can be mailed to you, and the entire process is free of charge.

Contact Information

A customer service representative can be reached at 573.348.8798, or you can come to the hospital at 54 Hospital Drive, Osage Beach, MO 65065 for an application or help with this process.

Non-Lake Regional Health System Provider Billing

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:

Insured Patients

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.

HMO/PPO Members

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.

Medicare and Medicaid Patients

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

Medicare Patients

We will need a copy of your Medicare card to verify eligibility and process your Medicare claim. You should be aware that the Medicare program specifically excludes payment for certain items and services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and others. Deductibles and co-payments also are the responsibility of 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.

Medicaid/MO HealthNet Patients

We will need a copy of your Medicaid card, as well as your MO HealthNet Managed Care Plan card, if applicable. Medicaid also has payment limitations on a number of services and items. Medicaid does not pay for the cost of a private room unless medically necessary.

Billing FAQ

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?
Lake Regional Health System offers many payment options, including monthly payment installments. Please call one of our helpful customer service reps to discuss your bill and payment options. 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.

In this section

Billing and Insurance
Accepted Insurances

Contact Us

Lake Regional Health System
Attn: Patient Financial Services
54 Hospital Drive
Osage Beach, MO 65065
General Billing Questions: 573.348.8798 or toll-free 877.836.2844

Related Resources

Pay My Bill