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Insurance
The mission of Fordland Clinic ~ Improve the health of our wider rural community and serve as the independent non-profit provider of choice by offering comprehensive healthcare, prevention and wellness services to all area residents without regard to insurance or income.

No Insurance or money?

Insurance?
We have found that trying to understand your insurance, what it
covers and what it does not, requires a degree in rocket science!
Of course, your plans and benefits are constantly changing to
make this even worse.  Please talk to your specific insurance plan

Please ask our Office Manager or our Billing Clerk if you have any
questions about how to contact your insurance or if you even think
that a statement is not correct.

We accept all Cox insurance and all insurance that requires you to
go to Cox Hospital for Family Practice and Urgent Care.  If you are
assigned to a specific provider (and it is not Dr. Brady or Mr. Marsh)
there should be no problem with any Urgent Care visit. Occasionally
a referral from your provider is required for Family Practice (non-
urgent) visits.  Our front desk person will request this but it is up to
your provider to approve.  Some insurance plans have very poor
benefits for lab tests. It may be very cost effective NOT to use your
insurance in these cases but to utilize our reference lab instead.

We accept all St. John's insurance and all insurance that requires
you to go to St. John's Hospital for Urgent Care.  We accept some
St. John's insurance for Family Practice but can not guarantee which
one's in advance.  We are in almost no Premier / Mercy plans for
Family Practice.  If this is an inconvenience to you please let them
know!  We are in most non-Premier plans for Family Practice.  Even
if your insurance is not acceptable at Fordland Family Medical, our
prices are very competitive and we can order needed labs and other
tests at St. John's where your insurance will cover what we order.

We accept all Doctor's Hospital insurance (they are in the same
Primrose Healthcare network that the Cox hospitals, Ferrell-Duncan Clinic, Fordland Family Medical and other providers are in).  We
accept the only other separate insurance that requires Doctors's Hospital.

We accept most other insurance.  If we don't accept your insurance
now, please talk to our Office Manager and we should be able to
start accepting your insurance in the near future.

We accept Medicare and are a participating provider.  This means
that we accept Medicare rates and that we will never bill you for
additional charges over the deductible and co-pay's on Medicare
approved charges that your co-insurance did not cover.

We accept Missouri Medicaid.

If you have any questions, please do not hesitate to contact our
office manager or our billing clerk.




 
The links below are provided to make contacting your insurance company easier. This list is not updated on a regular basis. If you have any problems please report them at Information@FordlandClinic.org

Cox Insurance
All other insurance plans that work with Cox Hospital
   Then, click on the "links" button
St John's Insurance
All other insurance plans that work with St John's

Insurance Company Links

Aetna
Affiliated
Alliance Blue Cross~Blue Shield
American Healthcare Alliance
Arkansas USAble MCO
Cigna Healthcare
Cox Health Plans
Encompass
First Health
Healthcare Preferred
HealthLink
HealthScope Benefits
Humana
Mid America Health Plan
Missouri Dept of Insurance      
One Health Plan
Premier Health Plans
Private Healthcare Systems
      ~ PHCS ~
United Healthcare
USA Managed Care Organization

O¹REILLY AUTO PARTS LINKS
O¹Reilly ~ Advanced PCS
O¹Reilly ~ First Health
 
No Insurance or money?
Fordland Clinic is proud to offer our services on a sliding fee scale to allow access to healthcare for everyone irregardless of ability to pay.  It is our philosophy that while everyone is required to pay for services, the cost for services is discounted down based on your income, with those under 100% of the Federal Poverty Level (FPL) paying only a nominal amount (our minimum charge). NOTE: to qualify for the maximum discount a family of 4 would need to have an income under $20,650 in 2007.

Charges increase as your income increases up to 200% of the FPL ($41,300 for a family of 4 in 2007).

There are some services that are available for a discounted fee to anyone (screening lab panels, screening ultrasound tests) who can pay for the service at the time of service.
Documentation of income is REQUIRED in order to receive a discount.
If you filed a tax return, we require a copy of the top page and use the "adjusted gross income" number for discounting purposes.
If you did not file a tax return, we will provide you with an IRS form to document that you did not file a tax return, and will accept any reasonable method that you can provide to document your income.
All patients are required to remain compliant with all rules and regulations of the health center in order to receive discounted services.
Persons in
Family or
Household
48 Contiguous States and DC
200%
300%
1
$10,400
$20,800
$31,200
2
14,000
28,000
42,000
3
17,600
35,200
52,800
4
21,200
42,400
63,600
5
24,800
49,600
74,400
6
28,400
56,800
85,200
7
32,000
64,000
96,000
8
35,600
71,200
106,800
For each additional person, add $3,600
SOURCE: Federal Register, Vol. 73, No. 15, January 23, 2008, pp. 3971–3972

How do we determine our charges?

Maximum charge = the most the clinic receives in reimbursement from insurance companies, this is almost always LESS than full retail.

Minimum charge = the nominal fee set by our board of directors.

The charges in between are uniform steps between the minimum and the maximum.