Payment Arrangements

The cost of medical care is a significant commitment of financial obligation. SSM Health offers a variety of options to assist you in managing these obligations and responsibilities.

To make paying your bill convenient, easy and secure, SSM Health offers online payment through MyChart. This service is available to you 24 hours a day, seven days a week.

We provide the financial options below for SSM Health hospital bills. SSM Health Medical Group also offers financial assistance options.

Frequently Asked Questions

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. 
 
No, if you do not pay your balance in full, you do not qualify for the prompt pay discount.
*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.

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 888-918-3512 (for hospital bills) or 888-918-3540 (for Medical Group bills). You can also self-enroll in the program for physician bills or self-enroll for hospital bills.

Frequently Asked Questions

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.   

Collections 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.

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