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How Does the Insurance Billing Process Work?

While the University of Missouri Health Care and University Physicians will bill most health insurance companies as a service for our patients, it is the patient’s responsibility to see that the account is paid in full. The filing of claims with third-party carriers in no way relieves the patient of this obligation. We will not submit claims to insurance companies outside the United States.

If you have commercial insurance or governmental coverage, such as Medicare and Medicaid, we will submit a claim on your behalf to your insurance company. After receiving the claim, the insurance company may contact you for additional information. Please respond to your insurance company’s questions as quickly as possible so your payment is not delayed. Click here for more information on patient billing.

We ask our patients to check with their insurance company to make sure our facility and physicians are contracted with their health insurance company (In-network). We also ask our patients to verify their benefits with their insurance plan. Be sure to ask about any non-covered services and out-of pocket-expenses that will be your share of the cost.

Our staff does not have access to benefit information specific to your plan and coverage so we 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.

On the day of your appointment, please bring your:

  • Photo ID
  • Insurance card(s) for all plans you have active coverage with, including a Medicare supplement
  • Payment, such as a copayment or deductible

When you arrive at one of our locations, you will begin the check-in process. Representatives will verify your insurance information, scan a copy of your insurance card(s) into our system and make any updates so charges for services can be billed.

Once the charges have been entered into our billing system, we will then submit the claims to your insurance company for payment. During this time, you will not receive a billing statement from either University of Missouri Health Care or University Physicians. Once our billing office receives payment from your insurance company, we will review your account to determine your share of the cost, if any, for the services provided.

If it shows that you will owe a portion of the charges, we will then send you a billing statement for the balance due at that time. For questions about our billing system, please visit Patient Billing.

To find out if MU Health Care accepts your insurance or for information on co-payments and deductibles, please contact your insurance carrier directly. Click here for a list of Managed Care Plans contracted with MU Health Care.

Financial Counseling Services

Financial counselors are available to let you know how much you may be responsible to pay for your care. If you do not have health insurance and will be unable to pay for your care, then we will help you explore options and assist you in completing the applications to get the assistance you need.

University Hospital and Ellis Fischel Cancer Center
8 a.m. to 4:30 p.m.
Monday through Friday
Local: (573) 884-9900
Toll-free: (866) 608-8025
Fax: (573) 884-2294

Women’s and Children’s Hospital
8 a.m. to 4:30 p.m.
Monday through Friday
Phone: (573) 875-9269
Fax: (573) 875-5531

Missouri Orthopaedic Institute
8 a.m. to 4:30 p.m.
Monday through Friday
Phone: (573) 884-8475
Fax: (573) 884-5531

Customer Service Department
8 a.m. to 4:30 p.m.
Monday through Friday
For Customer Service, call:
Local: (573) 884-3300, Option 2
Toll-free: (800) 877-2372, Option 2

Email: patientf@health.missouri.edu

Health Insurance Coverage

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