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Pay your bill

We want to make it as easy as possible for you to pay your Mercyhealth medical bill.

We offer several free, online payment options. You will need your account number (shown as Guarantor ID), which can be found on your statement.

By using your credit or debit card, making a payment is fast, easy and convenient, and can be done 24 hours a day.

Pay your bill using MyChart

Not a MyChart user? Create a MyChart account today.

You can also make a payment using MyChart Guest Pay Service.

Make a one-time payment

If you have questions about our online payment options, call 888.741.6891 Monday-Friday, 8 am-4:30 pm.

Please note: Mercyhealth is not affiliated with Doxo and cannot guarantee that if you use Doxo we will receive your payment in a timely matter.

Pay your health care costs over time

Mercyhealth has partnered with CareCredit® to offer promotional financing options* with the CareCredit credit card to help you get the care you need, when you need it. Learn more about CareCredit.

Protection from surprise billing

When you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. In these cases, you shouldn't be charged more than your plan's copayments, coinsurance and/or deductible.

Learn more about your rights and protections regarding balance billing, sometimes called surprise billing, by reading Patients' Rights Regarding Balance Billing.

Your rights and protections against surprise medical bills

When you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing. In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible.

What is "balance billing/surprise billing"?

  • When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, like a copayment, coinsurance, or deductible. You may have additional costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

  • “Out-of-network” means providers and facilities that haven’t signed a contract with your health plan to provide services. Out-of-network providers may be allowed to bill you for the difference between what your plan pays and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same ser-vice and might not count toward your plan’s deductible or annual out-of-pocket limit.

  • “Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in- network facility but are unexpectedly treated by an out-of-network provider. Surprise medical bills could cost thousands of dollars depending on the procedure or service.

You're protected from balance billing for:

Emergency services

  • If you have an emergency medical condition and get emergency services from an out-of- network provider or facility, the most they can bill you is your plan’s in-network cost-sharing amount (such as copayments, coinsurance, and deductibles). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

  • Under Illinois state law, if your health plan provides coverage for emergency services and you receive emergency services from an out-of-network provider or facility in Illinois, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balanced billed for these emergency services and your health plan must cover these services without requiring you to get approval in advance (prior authorization).

Certain services at an in-network hospital or ambulatory surgical center

  • When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers can bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

  • If you get other types of services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.

You’re never required to give up your protections from balance billing. You also aren’t required to get out-of-network care. You can choose a provider or facility in your plan’s network.

  • Similarly, under Illinois state law, if you receive services from an out-of-network provider at an in-network hospital or ambulatory surgical center in Illinois and an in-network provider is not available, the most the out-of-network provider may bill you is your plan’s in-network cost sharing amount. These providers can’t balance bill you. This applies to radiology, anesthesiology, pathology, emergency physician, or neonatology services.

When balance billings isn't allowed, you also have these protections:

You’re only responsible for paying your share of the cost (like the copayments, coinsurance, and deductible that you would pay if the provider or facility was in-network). Your health plan will pay any additional costs to out-of-network providers and facilities directly.

Generally, your health plan must:

  • Cover emergency services without requiring you to get approval for services in advance (also known as “prior authorization”).

  • Cover emergency services by out-of-network providers.

  • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.

  • Count any amount you pay for emergency services or out-of-network services toward your in-network deductible and out-of-pocket limit.

If you think you’ve been wrongly billed

the federal phone number for information and complaints is: 800.985.3059. Visit Centers for Medicare & Medicaid Services for more information about your rights under federal law.

Wisconsin patients

Contact the Wisconsin Office of the Commissioner of Insurance at 800.236.8517.

Illinois patients

Contact the Illinois Attorney General Health Care Bureau, or call their Health Care Hotline at 877.305.5145
(TTY 800.964.3013).