2025 Open Enrollment & Health Insurance Coverage

Which Medicare plans will be in-network throughout 2025?

For 2025, Original Medicare and the following Medicare Advantage options remain in-network with St. Bernards and our affiliated physicians and other health care providers.

Medicare Advantage plans are required to provide coverage for the same services that Original Medicare covers. Patients with Medicare Advantage coverage, however, often have higher deductible and co-payment obligations to their doctors, hospitals and other health care providers compared with Traditional Medicare.

2025 In-Network Plans for St. Bernards and our Affiliated Physicians and Providers

I live in the Cross County area. What do I need to know?

  • St. Bernards CrossRidge Community Hospital: Beginning January 1, 2025, the health insurance provider, UnitedHealthcare, will no longer be in-network with St. Bernards CrossRidge Community Hospital in Wynne. If Medicare-eligible patients in Cross and surrounding counties wish to remain in-network with St. Bernards, they should choose Original Medicare or an eligible Medicare Advantage plan listed in the above drop-down tab.

Please note that this change to out-of-network ONLY applies to non-emergency care. Emergency care for serious or possibly life-threatening injuries or medical conditions are covered at in-network rates at all St. Bernards Emergency Departments, even if you have an out-of-network health insurance plan.

What if I go to the ER and have an out-of-network policy?

  • Emergency Care: Emergency care for serious or possibly life-threatening injuries or medical conditions are covered at in-network rates at all St. Bernards Emergency Departments, even if you have an out-of-network health insurance plan. Out-of-network coverage ONLY applies to non-emergency care.

What else do I need to know about health insurance coverage at St. Bernards?

  • Select "Group Medicare Advantage" Employer Plans through UnitedHealthcare: Certain retirement and employment group plans through UnitedHealthcare remain in-network with St. Bernards. If you have questions about network status with us, please call 870.207.1888, having your insurance card readily available.
  • Patient-Assistance Line: St. Bernards operates a Patient-Assistance Line for help navigating in-network options during the Medicare Open Enrollment period. This line operates Monday through Friday from 8 a.m. to 4:30 p.m. Central Daylight/Standard Time. Please call 870.207.1888.

Estimate Your Cost

For help determining your out-of-pocket cost for your procedure, call 870.207.7200 or email SBMCestimate@sbrmc.org