Billing & Insurance

Billing & Insurance

Lau Medical is in network with Blue Cross Blue Shield, United Healthcare, Cigna, Aetna and most other private health insurance plans in Chicago. We bill your insurer directly, so you only pay your plan's copay at your visit.

In-Network Plans

Other plans we accept

In addition to the major carriers above, we work with most other private (commercial) health plans, including many employer and marketplace plans.

  • BlueCard PPO
  • BCBS Blue Choice PPO
  • BCBS Blue Advantage PPO
  • BCBS Federal Employee (FEP)
  • Empire BCBS
  • CareFirst BlueChoice PPO
  • Highmark BCBS
  • United Healthcare Choice Plus
  • United Healthcare Options PPO
  • United Healthcare Select Plus
  • United Healthcare NexusACO
  • UHC Oxford
  • Surest
  • Aetna Choice POS II
  • Aetna Open Access
  • Aetna Signature Admin. PPO
  • Meritain Health
  • Cigna Open Access Plus
  • Cigna LocalPlus
  • Cigna PPO
  • Allied Benefit Systems
  • GEHA
  • HealthSCOPE Benefits
  • Harvard Pilgrim
  • Medical Mutual
  • Priority Health
  • Luminare Health
  • MultiPlan / PHCS

Don't see your plan? Please check with your insurance provider to confirm whether we are in network.

Out of Network

Plans we're not in network with

  • Any HMO plans
  • United Healthcare Core
  • UHC Exchange plans
  • BCBS MyBlue Plus
  • Ambetter
Know Your Costs

Understanding your bill

Copay

A fixed amount you pay for a visit, set by your plan and collected at check-in.

Deductible

What you pay each plan year before your insurance begins paying for most services.

Coinsurance

A percentage of the cost you share with your insurer after your deductible is met.

Preventive care

Your annual physical is billed as preventive care. Other health concerns should be discussed at a separate appointment.

Out-of-pocket max

The most you pay for covered care in a plan year. After that, your plan pays 100% of covered services.

EOB

Your insurer's Explanation of Benefits shows what was billed, paid and owed. It is not a bill.

No Insurance?

Self-pay welcome

You can be seen at Lau Medical without insurance. Ask about pricing when you book, and we will explain your costs before your visit.

Payment Options

Paying your bill

Pay at the front desk or through the patient portal. For billing questions, please call 773-394-2888.

Credit & debit cards HSA / FSA cards Patient portal
Questions

Billing FAQs

How do I know if my plan is in network?

Call us at 773-394-2888 with your insurance card, or call the member services number on the back of your card and ask whether Lau Medical is an in-network primary care provider for your plan.

When do I pay?

Your share of the visit cost, based on your insurance benefits, is due at the time of service. If you have a deductible plan, we will collect an estimated deductible at the time of service. If a balance remains after your insurance processes the claim, we will send you a statement.

Do I need to keep a credit card on file?

Yes. Lau Medical requires all patients to maintain a valid credit card on file as part of our office policy. This helps streamline billing for patient-responsible balances, including applicable copays, deductibles, and other charges. Patients will remain responsible for any charges not covered by their insurance plan.

Will my annual physical be covered?

Most private plans include coverage for an annual preventive visit. Coverage depends on your plan, and services such as vaccines, lab work, or discussing a new or ongoing health concern may be billed separately. Please check with your insurance for details about your benefits.

Can I be seen without insurance?

Yes. We welcome self-pay patients. Ask us for pricing when you book.

Who do I contact with a billing question?

Please call our office at 773-394-2888. Please have your date of service ready so we can help quickly.

What is your cancellation policy?

Cancellations or missed appointments without at least 24 hours' notice are subject to a fee of $100 for new patients and $50 for existing patients. This fee is not covered by insurance.

How do I cancel or reschedule an appointment?

Call our office at 773-394-2888, leave us a voicemail or send us a portal message at least 24 hours prior to your appointment. Letting us know early allows us to offer your appointment time to another patient who needs care.


Your Care
Starts Here

Same-week appointments with our providers.
New patients always welcome. Book online or call 773-394-2888.

1102 W Argyle St

Chicago, IL 60640

773-394-2888

Opening Hours

Monday 8:30 AM – 5:30 PM

Tuesday 8:30 AM – 5:30 PM

Wednesday 8:30 AM – 5:30 PM

Thursday 8:30 AM – 3:00 PM

Friday 8:30 AM – 5:30 PM

Saturday By appointment only

Sunday Closed

Lau Medical provides primary care and family medicine in Chicago. We offer preventive care, chronic condition management, and personalized support for patients.

 

© 2026 Lau Medical LLC

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