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
  • eligible to be covered by another source of payment (such as an accident with third-party responsibility or commercial insurance)

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 under age 19 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 18 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 are uninsured (have no health insurance or third-party liability), you will be eligible for self-pay discounts from your total charges.

  • University Hospital charges are discounted by 60 percent.
  • University Physicians charges are discounted by 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. 
  • Participation in an arrangement where a third party (e.g., health care sharing ministry) provides for reimbursement for health expenses, even if the third party does not qualify as an insurance, may not be eligible for financial assistance beyond the self-pay discount.

To be eligible for additional financial 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.
  • have no health insurance (University Hospital and University Physicians) or are under insured (University Hospital).
  • have no third-party liability.
  • are not a member of a health care sharing ministry.

Resource limits for financial assistance

  • Resources such as savings, checking and non-retirement accounts with a combined value  of less than:
    • $4,000 for a household of one
    • $8,000 for a household of two or more
  • Retirement accounts with an estimated “cash-out value” of $50,000 or less and no Medicaid qualifier based on age or disability.
  • Cash value life insurance policy with a surrender cash value of less than $1,500
  • Your home and automobile(s) will not be counted as a resource.  Personal property and assets not used directly by the applicant (or eligible household members), but are used in the course of business or employment (is income producing), will not be counted as an resource. However, other personal property and plots of land (non-residential and non-agricultural) without a lien and not exempt from judgment may be considered as a resource to help pay for your care. 
  • You may be eligible for assistance if you have been approved for state or federal programs such as food assistance and Medicaid. 

2020 Income guidelines for eligibility

MU Health Care's hospitals and University Physicians bill separately and have separate income criteria for financial assistance. MU Health Care's hospitals include Ellis Fischel Cancer Center, the Missouri Orthopaedic Institute, the Missouri Psychiatric Center, University Hospital and Women's and Children's Hospital. The guidelines are listed below. 

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 $19,140 $19,141 - $31,900
2 $25,860 $25,861 - $43,100
3 $32,580 $32,581 - $54,300
4 $39,300 $39,301 - $65,500
5 $46,020 $46,021 - $76,700
6 $52,740 $52,741 - $87,900
7 $59,460 $59,461 - $99,100
8 $66,180 $66,181 - $110,300

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 $31,900 $31,901 - $51,040
2 $43,100 $43,101 - $68,960
3 $54,300 $54,301 - $86,880
4 $65,500 $65,501 - $104,800
5 $76,700 $76,701 - $122,720
6 $87,900 $87,901 - $140,640
7 $99,100 $99,101 - $158,560
8 $110,300 $110,301 - $176,480

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 federal tax return for each adult in household. A copy of a tax return is required if you have self-employment income, rental income, interest or dividend income or income from a trust or annuity.
    • Pay stubs for the past three to six months for each wage earner in the household if there was no tax return filed for most recent tax filing year.
    • Proof of enrollment in programs such as food stamps or temporary assistance.
    • Proof of Social Security or Social Security Disability income award letters.
    • Proof of other income sources such as unemployment, work compensation, VA, etc.

If you have no source of income, please provide verification of non-filing from the IRS and a statement of support from the person(s) providing you support. 

  1. Proof of resources
    • Copy of your checking account, savings, prepaid debit or reloadable card, CDs, IRAs, stocks, bonds, mutual funds, 401k statements for past three months
  2. 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 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 six to eight 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 and the services eligible for financial assistance.

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.