Payment Arrangements

If the payment plan is setup via MyChart, when you select your accounts and the terms of the payment plan, the accounts are already combined. You can add new accounts to your payment plan in MyChart. If the payment plan is requested with the Customer Service department, you can combine your new balance into a current payment plan. If you combine your accounts, the agreement and guideline may change depending on the new payment plan balance.
 

No. SSM Health Payment Plans for physician bills will need to be setup with SSM Health Physician Billing.
 

Yes. You can pay your full balance off before the end of your payment plan agreement.
 

You do not have to setup a payment arrangement; however, if you are unable to pay the balance in full, a payment arrangement is the best option for you. If you do not setup an approved payment arrangement, your account could be sent to an outside agency and result in bad debt collections. 
 

Yes, prompt pay discounts can be offered on payment plans that are set up before the first statement's due date. *Accounts within the Wisconsin ministries do not receive prompt pay discounts.

Please contact our Customer Service department to discuss further. If payments are not made on time, your account could be sent to an outside agency and result in bad debt collections.

If your account has an overpayment, SSM Health will review the credit balance and determine if you have any other open accounts with balances on them. If you do, your overpayment will be transferred to your other open balances. If you do not have any other open accounts, you will receive a refund for the overpayment.

Yes. You will continue to receive statements each month until your payment arrangement is completed.

The only additional fee is $15 on any balance greater than $25 per occurrence.

At point of service, you will be communicated an estimated patient liability (EPL). If you choose this open, but the final patient obligation exceeds EPL by over $10, SSM Health will call you to ask if you want to proceed with financing. If final obligation is within $10 of communicated EPL, the loan application will proceed.

Yes. You can combine all your accounts together.

Yes. If you are listed as the Guarantor of the family members. Processing these requests will prolong the process a couple of days.

No. While physician bills can also be financed through Commerce Bank, they require a separate enrollment.

No. Term of loan depends on balance. $300-4,999.99 financed at 24 months; $5,000-$9,999.99 at 36 months; $10,000-$50,000 at 60 months.

Yes. All self-pay patients receive an uninsured discount and does not change based upon someone signing up or not signing up for Commerce.

If you pay with a Commerce Bank loan, you should not receive a bill, as the balance will be paid by Commerce Bank. Instead, Commerce Bank will send a letter explaining it will proceed to pay the obligation in 7 days.

Adding a new loan doesn't combine it with existing loans. Your existing loan will continue with its maturity and term. The new loan amount will determine the loan term for the new funding. You will only receive a single statement, detailing the different loans.

Within a couple of days of signing up, Commerce Bank will send an informational package. You’ll have 7 days, since date of letter, to request cancellation of the loan by calling Customer Service at 888-918-3512 (for hospital bills) or 888-918-3540 (for Medical Group bills). They can assist further with other options.