If you have concerns or insurance-specific questions before you make an appointment, call (816) 271-1301 and ask to speak with one of our financial counselors. We have a team of financial counselors to help answer questions, coordinate coverage and assist patients with prior authorizations.

While dealing with insurance can be confusing or challenging, it is important to understand your options. Our financial counselors are available to help you navigate the insurance process.

If you don’t have insurance or Mosaic Life Care is not in network, we still encourage you to give us a call at (816) 271-1301 so that we can help you determine additional options through our financial assistance policy.

Insurance companies may offer a number of different plans. It is important that you contact your insurance provider to see if Mosaic Life Care is considered an in-network provider.

If you have multiple insurance plans, it’s important to determine your benefits from each plan. To start, you need to find out which plan is your primary insurance provider, which you can do by contacting your insurance company or asking your employee benefits staff. You will also need to contact your primary insurance provider to find out if Mosaic Life Care is in network.

Questions to Ask Your Insurance Company

The following are a list of questions that you may find helpful when talking to your insurance provider about coverage options. For reference, be sure to write down the name of the person you spoke with and date that you spoke with them.

• What type of insurance plan do I have?
• Is Mosaic Life Care in my network? If they say yes, you can then ask:
  • Does my insurance plan cover physician costs, as well as in-patient and out-patient hospital services?
  • What, if any, are my co-payments?
• If Mosaic Life Care is not in my network, what are my out-of-network benefits?
  • If I choose to go out of network, what do I have to pay? How much is my deductible?
  • If I go out-of-network, what percentage of my bill will be paid by the insurance company?
• Does my insurance plan offer any additional coverage through special networks for treating medical conditions such as cancer?
• Does my policy have an out-of-pocket maximum?

• If my out-of-pocket expenses reach a certain amount, will the insurance carrier ever reimburse at 100 percent?
  • If so, does this mean that my claims will then be paid in full, or will I still be responsible for the difference between Mosaic Life Care’s charges and usual, customary and reasonable (UCR) rates?
• Before I see a doctor at Mosaic Life Care, do I need a referral from my primary care provider, or will I need authorization from my insurance carrier?
• Will I be covered for any testing, pathology or radiology charges that may be incurred as a part of my initial consultation with a Mosaic Life Care doctor?

Financial Assistance

Mosaic Life Care provides financial help to patients in need. If you do not have health insurance, have been denied coverage or are worried about what your health insurance plan will or will not cover, we may be able to help. Call (816) 271-1301 to speak with a financial counselor for more information.

Contact Us

If you have been recently diagnosed with cancer, contact us at (816) 271-1301 to schedule an appointment in any of our four locations.