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


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. 

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

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.

 

 

Copyright © 2020 Laura Wagner, MD. All Rights Reserved.
14377 Woodlake Dr. #111 • Chesterfield, MO 63017
314-434-1111