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Our financial assistance policy

Financial assistance is available if you have health care needs that are:

  • emergent (provided in an emergency room setting)
  • urgent
  • non-elective services provided in response to life-threatening circumstances in a non-emergency room setting
  • health care services necessary for the diagnosis or treatment of patient's medical condition or to prevent a serious health impact if not treated and you cannot pay for your care in full or with a payment plan.

Financial assistance is not provided for:

  • cosmetic
  • experimental
  • package priced procedures
  • services considered by your MUHC physician to be elective
  • when there is another source of payment, including a third party liable for care (for example, workers' compensation or insurance coverage for an accident).

Financial assistance is not considered an alternative option to payment. As a patient, you:

  • are expected to contribute payment for your care based on your ability to pay.
  • will be assisted in finding other means of payment before receiving approval for financial assistance.
  • may be required to apply for health insurance if eligible through employer or insurance exchanges.

Read more about the value of health insurance.

If you are unable to pay your bills in full:

  • You can set up a payment plan and may have up to 12 months to pay your bills, interest-free.
  • You may be eligible for full or partial assistance. The amount of financial assistance for which you may qualify is based on your income and the resources you have to help pay your bills.
  • If you do not qualify for financial assistance but believe you have a special financial hardship, please let a financial counselor at University of Missouri Health Care know so your case can be reviewed by our financial assistance team.


Do you qualify for 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 and an additional 20 percent discount is given if you pay your charges in full within 30 days of your first billing statement.


To be eligible for additional help, you must:

  • Be a United States citizen and a Missouri resident
  • Have income within the guidelines for eligibility listed in a chart on the right.
  • Have limited resources available to help you pay your bill:
    • Resources such as savings, checking, cash, IRAs and retirement accounts may be considered if the combined amount is above:
      • $1,000 if you are single
      • $2,000 for households of two
      • $4,000 for households of three or more
  • Your home and automobiles will not be considered. However, other personal property, such as real estate in addition to your home, recreational vehicles, and crops or livestock without a lien may be considered as an available asset to help pay your bills.
  • You may be required to apply for MO HealthNet (Medicaid) if you 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.
  • You may be eligible for assistance if you have been approved for state or federal programs such as a government food assistance program or Medicaid.


Eligibility Guidelines for Assistance Based on Annual Income

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: Fill out an application. Applications are available from MU Health Care’s Financial Counseling Services, Customer Service or with the downloadable form below.

Step 2: Gather your documents. We will need: 1. Proof of your household income or proof of food stamps. For income proof, we need your recent tax return or three to six months of pay stubs. 2. Copies of your account statements for checking, savings, CDs, IRAs, stocks and bonds for the past three months.

Step 3: Sign and return your application. Mail your application and documents to the address on the form or to Financial Counseling Services. You may also bring the application to any Financial Counseling or Customer Service location at MU Health Care. We will review your application and let you know if you are approved for financial assistance. The average processing time for applications is 30 to 45 days.

You will receive billing statements until your application is reviewed and approved. If you are not approved for full assistance, then prompt payment is expected. If we are unable to process your application because we do not have the information above:

  • You will be expected to make a payment toward your care.
  • You will receive a letter stating your request for help was denied. Once we receive the missing information, your application will be reviewed.

Please note:

  • You may set up a budget plan if you cannot pay your bills in full.
  • Your unpaid physician bills will be sent to a collection agency after 90 days.
  • Your unpaid hospital bills will be sent to a collection agency after 120 days.

Be sure to let us know when you move. If the address we have is not right, then your accounts will be sent to a collection agency.


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
(573) 875-9269

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

Customer Service Department
For Customer Service, call:
Local: (573) 884-3300, Option 1
Toll-free: (800) 877-2372