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Patient Financial Services

Like most patients, you probably have questions about your financial responsibilities when obtaining treatment at any of our hospitals or clinics.

We will help you learn what to expect before you arrive for a visit, provide information about insurance and billing, and our other financial counseling services.

Understanding our billing system

While we bill health insurance companies, it is the patient’s responsibility to check with the insurance company to make sure our facility and physicians are contracted with your health insurance company.

Patients are expected to make payment at the time of service. This includes any co-payments that may be listed on your insurance card.

As a patient at MU Health Care, you will receive two separate bills for services at our hospitals or clinics.

One bill will come from University of Missouri Health Care. It includes charges for the facility fee and any ancillary testing provided to you. This would include laboratory tests, X-rays and any specialized testing requested by your physician.

A second bill will come from University Physicians for physician charges for your office visit. This would include procedures performed, laboratory tests and/or radiology interpretation.

Because University Physicians clinics are not privately owned by the physicians, their charges do not include costs for supplies and facilities’ overhead.

How to pay your bill

University of Missouri Health Care and University Physicians offer many options for bill payment. Choose the option that is the easiest for you:

  • Mail your payment with the payment coupon to our post office box for processing.
    • Payments to University Physicians go to:
      PO Box 7687
      Columbia MO 65205
    • Payments to MU Health Care, which includes University Hospital, Women's and Children's Hospital, Ellis Fischel Cancer Center, Missouri Psychiatric Center and Missouri Orthopaedic Institute, go to:
      PO Box 807003
      Kansas City MO 64180-7003
  • Use one of our convenient drop box locations:
    • University Hospital first floor by Admissions/Registration
    • University Physicians Medical Building first floor near the pharmacy
  • Pay your bill over the phone using your credit card by calling 573-884-3300, option 1, or toll free at 800-877-2372.
  • Pay in person at our walk-in Customer Service office on the first floor of University Hospital behind Admissions/Registration.
  • Pay your bill online using your credit card or echeck:

Acceptable payment methods are cash, money order, personal check, MasterCard, Visa or Discover. Please do not send cash through the mail or put cash payments in our drop box locations.

How will my health insurance work?

University of Missouri Health Care and University Physicians will bill most health insurance plans as a patient convenience.

We recommend you verify with your plan your benefits and check on any excluded services and out-of pocket-expenses for which you may be responsible.

Our staff will not have access to this information about your benefit coverage and will not be able to provide you with those details at your appointment. Some health insurance plans may have exclusions or require you to see specific providers, depending on your type of treatment.

To find out whether MU Health Care accepts your insurance or for information on co-payments and deductibles, please contact your insurance carrier directly.

View a list of managed care plans contracted with MU Health Care.

What if I don't have health insurance?

Patients without health insurance are expected to pay a deposit of $50 to $250 at the time of your doctor's appointment. The deposit will vary depending on the clinic and level of specialty care provided. The clinic will let you know how much you need to pay.

You are also expected to pay a portion of cost for tests or procedures ordered by your physician as part of your care. Partial payment is expected prior to receiving the service.

You will be billed for the remaining amount due.

If you need assistance paying for your care, then you will be required to complete an application for financial assistance or future non-emergent appointments may be postponed.

Anyone who requires emergent, life threatening care will be treated regardless of ability to pay.

What if I cannot pay my charges in full?

If you are unable to pay your charges in full once billed, you may set up an interest-free payment plan. We ask that all charges be paid in full within 12 months.

If you cannot pay your charges in full within 12 months, you may be eligible for additional financial assistance.

Can I get an estimate of what my charge will be for a procedure?

A financial counselor will try to assist you in determining your out-of-pocket charges. Please be sure to have the procedure codes provided by your physician's clinic.

While we will make every effort to ensure an accurate estimate, medical care can take different turns or your physician may order more tests. Therefore, the estimate provided will only be an estimate of what you might owe. We cannot guarantee what the actual costs will be.

Your final liabilities may differ depending on the treatment you receive, insurance payment, or should you need an extended stay.

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This includes University Hospital, Women's and Children's Hospital, Ellis Fischel Cancer Center, Missouri Psychiatric Center and Missouri Orthopaedic Institute.

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