Insurances We Accept

Scroll down for a list of plans that we accept.

1. MarketPlace Plans (HealthCare.gov) 2025 and 2026
2. Medicare plans  
3. Commercial plans  

note:
*  = Non-Par. We do not have a contract, but you probably have out of network benefits. We will file your claim. It is your responsibility to know the impact of your out of pocket costs to go out of network. 

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1. MARKETPLACE PLANS (HealthCare.gov)    2025

Accepted MarketPlace Plans
UnitedHealthcare - Bronze, Silver and Gold 

Not Accepted MarketPlace Plans (no benefits)
Aetna CVS 
Ambetter  
Anthem Pathway and Pathway X  
Medica (includes Wellfirst by Medica or Balance by Medica) 
Oscar Insurance Company    

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1.  MARKETPLACE PLANS (HealthCare.gov)    2026 

Accepted MarketPlace Plans
UnitedHealthcare - Bronze, Silver and Gold 

Not Accepted 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  (excluding AARP Medicare Advantage from UHC ST: Walgreens HMO-POS - no benefits)

Aetna Medicare Advantage Plans

• Choice (H2663-002 - through 12/31/2025)
• Choice Plus HMO-POS (H2663-006 -through 12/31/2025) > transitioning to Enhanced Extra
• Gold Advantage HMO-POS  (H2663-005 - through 12/31/2025) > transitioning to Signature HMO/POS 
• Elite PPO (H1608-050 - 2025 and 2026)
• SmartFit PPO (H1608-067 - through 12/312025)  > transitioning to Signature PPO
• Value Plus HMO-POS  (H2663-057 - 2025 and 2026)
• Premier PPO (H1608-013 through 12/31/2025) > transitioning to Enhanced PPO
• Assure HMO D-SNP (ends 12/31/2025)
• Signature HMO/POS (H2663-005 eff 01/01/2026) <
• Signature PPO (H1608-067   eff 01/01/2026) <
• Enhanced Extra HMO/POS (H2663-006 eff 01/01/2026) <
• Ehnanced PPO (H1608-013  eff 01/01/2026) <
• Chronic Care HMO C-SNP (H2663-102 - eff 01/01/2026)

* Anthem Medicare Advantage PPO  (excluding Anthem Medicare Advantage HMO/POS - no benefits)
* Essence Advantage Choice PPO and Choice Plus PPO  (excluding Essense Advantage HMO, Select HMO, Plus HMO - no benefits)
* Humana Choice - any PPO and PFFS plan  (excluding Humana Gold Plus, any HMO plan - no benefits) 
Medicare (traditional)
Medicare Supplement - If your secondary card reads 'Medicare Supplement', this works along with your traditional Medicare card. 
RailRoad Medicare
United HealthCare Medicare Advantage Plans

• * United HealthCare (Medicare) Complete Care PPO - CSNP 
• * United HealthCare Medicare Advantage PPO     
• * United HealthCare GROUP Medicare Advantage PPO 
• * UHC Medicare Advantage AM-0002 (Regional PPO) R3444-012-000 (eff 01/01/2026)
• * UHC Complete Care MO-1 (PPO C-SNP) H2001-055-000  (eff 01/01/2026)
• * UHC Complete Care Support AM-1A (Regional PPO C-SNP)  R3444-008-000 (eff 01/01/2026)
• * UHC Complete Care AM-1 (Regional PPO C-SNP) R3444-009-000 (eff 01/01/2026)
• (excluded plans include United HealthCare GROUP Medicare Advantage HMO, United HealthCare Dual Complete HMO-POS D-SNP, United HealthCare SNP Plans - including Complete Care, Dual Complete, Care Advantage, Nursing Home Plan - no benefits)

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3. ACCEPTED COMMERCIAL HEALTH PLANS 
Allsavers (UHC)
Aetna
Aetna Hmo   (excluding 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 required
• Blue Preferred PPO     
• FEP (Federal)             
• Mercy - Blue Access or Blue Access Choice only.  (excluding Anthem Alliance Network - no benefits)
• (excluded plans include Anthem Pathway or Pathway X, Anthem Direct Access,  Anthem Multi-State, Anthem Alliance network - no benefits) 

BCBS - (Blue Cross/Blue Shield)  see Anthem
Cigna HealthCare of St., Louis HMO   referral required
Cigna Local Plus      check insurance card regarding referral
Cigna Open Access Plus
Cigna HMO 
Cigna PPO 
Golden Rule
* Healthlink PPO, POS, HMO-OA III  Non-Par with out of network benefits terminated 09/30/2024See if your plan has out of network benefits. They will apply the allowed amounts to your deductible.   (excluding Healthlink HMO - no benefits / terminated 09/30/2024)
Humana Commercial Products - we participate in CHOICE CARE only
Humana Medicare Supplement
IBEW  (processed by Cigna)
Mercy Anthem Blue Access Choice (excluding Mercy Anthem Alliance - no benefits)
Medico Corp Life Insurance
Meritain
NALC  (processed by Cigna) 
Painters  
Plumbers & Pipefitters  
Sheet Metals 
Solidarity HealthShare
Tricare for Life Medicare Supplement  (excluding all other Tricare - no benefits)
UFCW 
UHSS
UMR
Union Pacific RailRoad
United HealthCare: Surest Bind
United HealthCare: Choice & Choice Plus, Allsavers, Core
United HealthCare Compass, Navigate, Charter   referral required

Known NOT ACCEPTED Commercial Plans
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 - terminated 09/30/2024
Oscar Insurance Co  
PHCS   terminated 09/30/2024
SSM & SSM CoreSource   
USAQ Managed Care Organizaion - terminated 09/30/2024
Wellfirst  (Medica)  
Zelis  terminated 09/30/2024