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Our financial assistance policy

University of Missouri Health Care provides financial assistance to help medically indigent patients. This includes individuals who are uninsured and underinsured patients in accordance with income based on a percentage of the Federal Poverty Level and ability to pay. Anyone who requires emergent, life-threatening care will be treated regardless of ability to pay, in compliance with federal law.

Co-pays, deductibles and co-insurance for University Physicians are not eligible under this policy.

Financial assistance is not considered an alternative option to payment.

Services eligible for financial assistance
Services that are eligible for financial assistance include health care needs that are:

  • emergent (provided in an emergency room setting)
  • urgent (at risk of losing life or limb without medical attention)
  • necessary for the diagnosis or treatment of a medical condition or to prevent a serious effect on one’s health if not treated

Services not eligible for financial assistance
Services that are not eligible for financial assistance include health care needs that are:

  • elective, experimental, cosmetic or packaged price procedures
  • considered to be elective by an MU Health Care physician
  • package priced procedures
  • eligible to be covered by another source of payment (such as an accident with third-party responsibility, commercial insurance or Medicaid)

If your application is not approved and you believe you have a unique financial hardship, a Financial Counseling or Customer Service representative may review and forward your application on for further consideration.

As a patient, you:

  • are expected to make a payment toward your care even if you have been approved for financial assistance. The payment expected may vary by clinic or specialty service.
  • will be assisted in finding other means of payment (charity) before receiving approval for financial assistance.
  • may be required to apply for MO HealthNet (Medicaid) if you are have a family with children or if you are pregnant, age 65 or older, blind or unable to work for more than a year because of your health
  • may be required to apply for health insurance through your employer or the Health Insurance Marketplace. To learn more, please visit
  • will be treated, regardless of ability to pay, if you require emergency, life-threatening care, in compliance with federal law.

If you are unable to pay your bills in full:

  • You may set up a payment plan and may have up to 15 months to pay your bills, interest free.
  • You may be eligible for full or partial assistance. The amount of financial assistance you may qualify for is based on your income and/or the resources
    you have to help pay your bills.

Do you qualify for financial assistance?

If you do not have health insurance, you will automatically receive the following discounts from your total charges:

  • University Hospital charges are discounted 60 percent.
  • University Physicians charges are discounted 25 percent. An additional 20 percent discount is given if you pay your physician charges in full within 30 days of your bill statement date.

To be eligible for additional help, you must:

  • be a United States citizen or lawfully in the U.S. (have a green card), and be a Missouri resident. If you are not a Missouri resident or not lawfully in the U.S., then your request will be considered on a case-by-case basis.
  • have income within the guidelines for eligibility listed in a chart below.
  • Have limited resources available to help you pay your bill.

Resource guidelines for eligibility

  • Resources such as savings, checking, cash, IRAs and retirement accounts may be considered if the combined amount is above:
    • $1,000 for a household of one
    • $2,000 for a household of two
    • $4,000 for a household of three or more
  • Retirement accounts with an estimated “cash-out value” greater than $50,000 may be considered. 
  • A life insurance policy with a cash value of more than $1,500 may be considered.
  • Your home and automobiles will not be considered as assets. Personal property and assets not used directly by the applicant (or eligible household
    members) but in the course of business or employment (is income producing) will not be considered. However, other personal property
    and plots of land (non-residential and non-agricultural) without a lien may be considered as an asset to help pay your bills.
  • You may be eligible for assistance if you have been approved for state or federal programs such as food assistance and Medicaid.

Income guidelines for eligibility

University Physicians Financial Assistance

If your family size is: Full assistance if annual income is less than: Partial assistance (sliding scale) if annual income is:
1 $17,665 $17,656 - $29,425
2 $23,895 $23,896 - $39,825
3 $30,315 $30,316 - $50,225
4 $36,375 $36,376 - $60,625
5 $42,615 $42,616 - $71,025
6 $48,855 $48,856 - $81,425
7 $55,095 $55,096 - $91,825
8 $61,335 $61,336 - $102,225

Hospital Financial Assistance

If your family size is: Full assistance if annual income is less than: Partial assistance (sliding scale) if annual income is:
1 $29,425 $29,426 - $47,080
2 $39,825 $39,826 - $63,720
3 $50,255 $50,226 - $80,360
4 $60,625 $60,626 - $97,000
5 $71,025 $71,026 - $113,640
6 $81,425 $81,426 - $130,280
7 $91,825 $91,826 - $146,920
8 $102,225 $102,226 - $163,560


Applying for assistance

Here is the process, step by step:

Step 1: Complete the Financial Assistance application (below). Paper applications are available in MU Health Care’s Financial Counseling Services and Customer Service offices. Applications are available in Spanish upon request. The application is good for 12 months. Please fill out one per household. A household is defined as immediate family (parents and children in household or as claimed on your tax return).

Step 2: Gather your documents.We will need:

  1. Proof of your household income (household as defined above).
    • Current tax return OR one of the below: 
    • Did not file taxes? Provide pay stubs for the past 3 to 6 months for each adult working in the household.
    • Do not work or have personal income? Provide proof of non-filing or other documentation to prove your income or lack of income.
    • Getting help from state or federal programs (such as food stamps, temporary assistance, MO HealthNet or Medicaid)? If so, this can be used for your proof of household income.
    • If you are a self-employed sole proprietor, a full tax return including schedules is required.
    • Proof of Social Security or disability income
  2. Proof of resources
    • Copy of your checking account, savings, CDs, IRAs, stocks, bonds, mutual funds, 401k statements for past three months
  3. Applied for MO HealthNet (Medicaid) within the past 6 months? Provide proof of rejection.

Step 3: Sign forms.

Step 4: Include required documents.

Step 5: Turn in. There are 3 ways to and return your application:

  1. Mail your application and documents to the address on the form or to Financial Counseling Services.
  2. Fax to the fax number listed on the application.
  3. Return to any Financial Counseling or Customer Service location at MU Health Care.

MO HealthNet (Medicaid) applications

Review and approval process

Once your application is received in our system, we will review it and all information provided. While your application is being processed, you will continue to receive monthly billing statements. Monthly payments may be expected based on presumed eligibility pending the final determination. Please allow four to six weeks for processing of your application.When our review is completed, you will receive a determination letter in the mail advising you of the outcome of the review.

If your application is approved, it will be based on the current account balance.

If your application is not approved, then prompt payment is expected. You may contact our Customer Service department to discuss payment arrangements. We will work with you to set up a payment plan that meets our current guidelines.

Unpaid bills not approved for financial assistance and not set up on a payment plan will be sent to a collection agency for further collection activity. You will receive a maximum of three (3) statements for University Physicians balances and a maximum of four (4) statements for University of Missouri Health Care balances.

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