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.
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.
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.
If you are uninsured or need financial assistance, our Patient Financial Services staff will be happy to discuss financial arrangements with you. We also are happy to help you apply for Medicaid or other governmental assistance programs, as needed.
The following Lake Regional clinics are designated Rural Health Clinics and participate in the sliding fee schedule:
- Micheal Durham, D.O.
- Michelle Helton, M.D.
- Deborah King, FNP
- Michael Ledbetter, D.O.
- Amy Lockhert, M.D., FAAFP
- James Neill, M.D.
- Shari Neill, M.D.
- Evgeniya "Eugenia" Banina, M.D.
- Randall Barnes, D.O.
- Jason Hagely, M.D.
- Julie Russell, FNP
- Chelsie Deardeuff, APRN, FNP-C
- Jason Hagely, M.D., FAAP
- Jonathan Rivett, M.D.
- Grant Barnum, D.O., FACOI
- Kayla Blaes, MSN, FNP-C
- Kimber Guinn, D.O.
- Karen Hayes, PhD, ACNP
- Christine Livek, M.D.
- Dale Lockhert, M.D.
- Virginia Nagy, M.D.
- Anton Kosov, M.D.
- Candace Malson, DNP, R.N., ANP-BC
- Jonathan Privett, M.D.
- Heidi Calipjo, M.D.
- Kimberly Collins, MSN, FNP-BC
- Mark Jones, D.O.
- Trent Russell, M.D., MHA, FAAP
- Mark Shen, D.O., CMD, HMDC
- Keil Bluhm, PA-C
- John Brand, D.O.
- Catharine Kahrig, FNP-BC
- Stacy Sederwall, FNP
If you are financially unable to pay your Lake Regional bill, you may qualify for assistance under Lake Regional Health System’s financial assistance program. Your eligibility depends primarily on your family income and how it compares to the U.S. Department of Health and Human Services' poverty guidelines. It also depends on whether you have access to subsidized insurance under the Affordable Care Act, Medicaid or any other insurance. If you qualify for any of these, you must use them to be considered for financial assistance.
- Download our Financial Assistance and Sliding Fee Schedule.
- Download the 2020 Federal Poverty Guidelines Matrix.
- Download the Sliding Fee Schedule for Rural Health Clinics.
- Download and print financial assistance forms.
Self-pay patients who do not meet the poverty guidelines for financial assistance can receive a 62 percent discount. Patients who have access to insurance—whether they choose to use it or not—do not qualify for a self-pay discount.
A customer service representative can be reached at 573.348.8727.
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.
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.
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.
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.
Our chargemaster page provides a comprehensive list of charges for each inpatient and outpatient service or item provided by a hospital. The chargemaster is not a helpful tool for patients to comparison shop between hospitals or to estimate what health care services are going to cost them out of their own pocket. For more information about the cost of your care, please contact our Patient Financial Services staff.
Understanding Your Health Insurance
Below are common insurance terms. These terms will help you understand what your insurance pays and what you pay for health care services. Insurance plans vary greatly. You should carefully review your plan to understand your benefits.
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.
Your expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.