Following information is only for service provided in Arkansas, Oklahoma, Springfield, MO and St. Louis, MO (including metro East IL).
Call our Customer Service team Monday-Friday, 7:30 a.m. - 8 p.m. CT at 855-420-7900
You can also view our answers to frequently asked Billing, Payment & Insurance questions.
As part of our healing ministry, Mercy is committed to providing quality health care services to all our patients regardless of their financial situation.
Mercy Eligibility Program
The Mercy Eligibility Program is staffed by a team ready to answer questions about the process of applying for Medicaid coverage. If you have concerns about your ability to pay for your care, or questions about financial assistance, please call us toll free at 844-764-6850 or see our additional resources below.
Financial Assistance
Mercy grants hospital and clinic financial assistance to patients for medically necessary care based on need, as determined by the Federal Poverty Guidelines which consider household income and family size. If you apply and are eligible, you'll pay no more than the amount generally billed to insured individuals.
- Helps reduce balance for more manageable payments
- One application for both hospital and clinic balances
- Approval based on income, assets and household size
- Remaining balances after a charity adjustment can qualify for a payment plan by calling Customer Service at 855-420-7900 Monday through Friday, 7:30 a.m. - 8 p.m. Central.
Call our Customer Service team Monday-Friday, 7:30 a.m. - 8 p.m. CT at 855-420-7900
You can also view our answers to frequently asked Billing, Payment & Insurance questions.
Mercy Financial Assistance Guidelines
Based on 2021 Federal Poverty Income Guidelines
Family Size |
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | |||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Level |
% of Poverty Level | Hospital Discount | Physician Discount |
Range | Range | Range | Range | Range | Range | Range | Range | Range | Range |
| I |
0 - 200% | 100% | 100% |
$0 - $25,760 | $0 - $34,840 | $0- $43,920 | $0 - $53,300 | $0 - $62,080 | $0 - $71,160 | $0 - $80,240 | $0 - $89,320 | $0 - $98,400 | $0 - $107,480 |
| II | 201% - 250% | 80% | 70% | $25,761 - $32,200 | $34,841 - $43,550 | $43,921 - $54,900 | $53,001 - $66,250 | $62,081 - $77,600 | $71,161 - $88,950 | $80,241 - $100,300 | $89,321 - $111,650 | $98,401 - $123,000 | $106,161 - $134,350 |
| III | 251% - 300% |
74% | 50% | $32,201 - $38,640 | $43,551 - $52,260 | $54,901 - $65,880 | $66,251 - $79,500 | $77,601 - $93,120 | $88,951 - $106,740 | $100,301 - $120,360 | $111,651 - $133,980 | $123,001 - $147,600 | $134,351 - $161,220 |
For family units with more than 10 persons, add $4,480 to household income range for each additional person. *Effective 2.1.2021
Additional Financial Options
1. Mercy Payment Plan
After any appropriate discounts have been applied, arrangements may be made for an interest-free monthly payment plan of 12-18 months, depending on your eligibility.
2. Extended Payment Plan Loan Program
Mercy has partnered with Commerce Bank to offer an Extended Payment Plan 0% interest loan, no-credit check banking option.
Loan duration is based on amount:
- 24 months- $250-$4,999.99
- 60 months- $5,000-$14,999.99
- 84 months- $15,000-$50,000
To qualify you must meet the following criteria:
- Minimum of $25,000 household income/year
- Minimum of $250 balance
- Can provide the last two years of address(es) where you lived
- All accounts in good standing (nothing with a collection agency)
Advantages of this program include:
- No credit check
- Social Security number required for identity verification only
- Able to include hospital and clinic balances as well as entire household balances in one payment
- Able to add new balances to existing extended payment plan anytime
Call Customer Service at 855-420-7900 Monday through Friday, 7:30 a.m. - 8 p.m. Central to get started.
Uninsured Patient Discounts
We will discount Mercy's regular billed charges for patients who do not have insurance or a third party coverage benefit. This includes patients whose financial situation normally would not otherwise qualify them for financial assistance. The discount for all uninsured patients is 35% for hospital services and 25% for professional services.
Financial Assistance Applications and Resources
Hospital & Health Services Financial Assistance:
- Complete the Mercy Hospital Aid Application in English or en Espanol
- View our Plain Language Summary in English or en Espanol
- View our Policy in English or en Espanol
- Complete the Mercy Hospital JFK Clinic Aid Application in English or en Espanol
Professional Services Financial Assistance:
- Complete the Mercy Professional Services Aid Application in English or en Espanol
- View our Plain Language Summary in English or en Espanol
- View our Policy in English or en Espanol
NHSC Services Financial Assistance:
- Policy references which clinic locations are included in the NHSC Policy
- Compete the National Health Service Aid Application in English or en Espanol
- View our Policy in English or en Espanol
You Have More Options:
Additional resources for medical bill financial assistance can be found through state agencies. Download our guide to state services.