Payment Arrangements
Paying for medical care can be a significant financial obliagation. SSM Health provides payment plan options for qualifying hospital bills.
To make paying your bill convenient and secure, SSM Health offers easy online payment through MyChart, 24 hours a day, seven days a week.
Frequently asked questions about payment plans:
No. You do not have to setup a payment arrangement. However, if you are unable to pay the balance in full, a payment plan is the best option for you.
Please note: If you do not setup an approved payment plan, your account could be sent to an outside agency and result in bad debt collections.
Prompt pay discounts may be offered on payment plans that are set up before the first statement's due date for hospital balances only.
Please note: Accounts within the Wisconsin ministries do not receive prompt pay discounts.
Yes. You can pay your full balance off before the end of your payment plan agreement.
Please note: Making an early payment will not result in a skipped installment. However, it will reduce the total duration of your payment plan.
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.
Call customer service Monday – Thursday, 8:00 AM to 7:00 PM and Friday, 8:00 AM to 5:00 PM at 888-918-3512.
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.
Adding additional payments to a payment plan:
Yes. Your payment plan may update automatically when new qualifying self-pay balances are added to your account.
Note: when new balances are added your monthly payment amount stays the same, but the plan may continue for a longer period of time.
Yes, SSM Health payment plans for physician bills will be set up with SSM Health hospital bills.
You will receive a notification through existing communication channels and can review the latest details in MyChart.
Call customer service Monday – Thursday, 8:00 AM to 7:00 PM and Friday, 8:00 AM to 5:00 PM at 888-918-3512.
Your payment plan will update automatically when new qualifying self-pay balances are added to your account.
No. The monthly payment amount stays the same, but the plan may continue for a longer period of time.
0% Interest Commerce Bank Financing Program
SSM Health partners with Commerce Bank to provide a zero cost, zero interest financing program that allows you to spread payments out over time. Enrollment is easy (no credit check required). There are no origination or interest fees and no pre-payment penalties.
You have three payment options:
- 24 month financing (for account balances from $300 - $4,999.99)
- 36 month financing (for account balances from $5,000 - $9,999.99)
- 60 month financing (for account balances from $10,000 - $50,000)
To learn more about the Commerce Bank Financing Program, call us at 888-918-3512. If you would rather you can self-enroll in the Commerce Bank Financing Program.
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 are unable to make the payment at that time, a statement outlining your final financial responsibility will be sent to you once it has been determined.
Yes. If you are listed as the Guarantor of the family members. Processing these requests will prolong the process a couple of days.
Physician bills can also be financed through Commerce Bank and combined with hospital bills.
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 and they can assist further with other options.
What are SSM Health's collection practices?
If a patient liability is still outstanding after SSM Health collection efforts, and the patient has not submitted an application for financial assistance or set up an approved payment plan, SSM Health may place the account with a collections agency.
For patients who qualify for financial assistance and who are cooperating in good faith to resolve their patient liability, SSM Health may offer extended payment plans and will not place unpaid accounts with collection agencies.