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What can I expect to pay?

We ask all patients to make a payment toward care before or at the time you arrive for your test or procedure.

If you have health insurance, you will be responsible for paying the co-payment, deductibles and co-insurance based on your insurance plan. Below are some terms you should know:

  • Co-payments are a required payment based on your insurance policy. The co-pay is paid at the time of your medical visit.
  • Deductible is the amount you pay out-of-pocket before insurance will cover the remaining costs.
  • Co insurance is a shared expense between you and your insurance. You may be required to pay a certain percent of the charges for medical services. For example, insurance pays 80% and you pay 20%. Depending on your insurance plan, you may need to meet your deductible before the co-insurance is applied.
  • Out-of-pocket maximum is the yearly total amount your health insurance company requires you to pay towards the cost of your health care on an annual basis.

What if I do not have health insurance?
If you do not have health insurance, you will be given a discount of 60% on hospital charges and 25% on physician charges. This will be automatically applied to your charges. University Physicians offers an additional 20% discount when you pay the charge in full within 30 days of your billing statement date.

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.

What if I cannot pay my charges in full within 12 months? See if you may be eligible for additional financial assistance.

Can I get an estimate of what my charge will be for a procedure?
Yes. Financial Counseling 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.

You can learn more by reading our Hospital Charge Transparency Policy.

If you have questions or would like to talk to a Financial Counselor, please call Monday - Friday, 9:00 a.m. to 4:00 p.m.

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 1
Toll-free: (800) 877-2372