John D. Spears, D.O.

When spine surgery is an option,
The Missouri Spine Institute is the best option you have.

Accepted Insurance

Commercial Contractual Plans

  • Aetna
  • Anthem Blue Cross Blue Shield
  • Anthem Blue Choice
  • Anthem Pathway & Pathway X
  • Cigna Healthcare
  • Coventry Health Care
  • Healthlink HMO, POS, and PPO
  • Humana
  • Multi-Plan Network
  • UMR
  • United Healthcare
    • Choice/Choice Plus
    • Metrahealth
    • PPO HMO

Federal Programs

  • Medicare
  • Railroad Medicare
  • Tricare
    • (Active duty by PHYSCIAN REFERAL ONLY/

Medicare Advantage Plans

  • Aetna Medicare
  • AARP Medicare Complete Plus (HMO-POS)
  • AARP Medicare Complete (HMO)
  • Care Improvement Plus
  • Coventry Gold Avantage and Advantra
  • Humana Medicare Advantage (PFFS/PPO)
  • United Healthcare Medicare (PFFS/PPO)

Payment Policy

Commercial Insurance: All co-pays are due and collected at the time of service. The only exceptions to this are a global postoperative patient and a patient with multiple commercial insurance policies. If the co-pay cannot be made at the time of visit, the appointment will be rescheduled.

If you have a large insurance deductible or a major medical policy that only covers hospital you will be expected to pay a down payment of $50 towards each office visit.

This is only a deposit. If the balance after insurance processing and payment is higher, it will be billed to you and a payment plan can be made.

Self-Pay: All self pay patients must pay $250.00 at the time of their first visit before they are treated by Dr Spears. This is a deposit towards the visit and any balance thereafter will be billed to the patient and a payment plan will be set up.

The visit may be more or less depending on the type of treatment. If it is less, a refund will be sent to the patient once all treatment has been finalized.

A deposit of 50% of billed charges is required before a surgery will be performed. A payment plan will be set up for the remaining balance.

Liability: If the patient is a liability claim such as slip and fall, MVA, etc., the patient must provide a commercial insurance along with all of the liability claim information.

If they do not have a commercial insurance they are considered a self-pay and must abide by the self-pay policy.

HMO Insurance: Any insurance that is an HMO and requires a referral for treatment from their PCM must have the referral on file prior to the appointment.

If there is not a referral on file, the appointment will be rescheduled until one is received.

Delinquent Accounts: Any patient that receives a collections notice is considered a bad debit. All bad debit accounts will be flagged as such and will be required to pay the balance in full and a deposit at their next visit.

Once an account has been sent to collections they must pay their balance IN FULL with Wakefield and Associates (formerly Berlin Wheeler) and we must have verification from them that the account has been settled before they can be reappointed for any reason.

Once the balance is paid in full they can be reappointed and will be required to pay a $50 deposit + any co pay listed on their policy at the time of visit.

If after treatment is completed and there is a credit, they will be refunded the credit.

Workman’s Comp: Dr Spears does not accept workman’s comp. If you have been injured at work, we will be unable to see you.

Commercial insurance and Medicare does not cover any injury that has been sustained at work and therefore must go through the proper channels to be treated by a workman’s comp physician.