Financial Assistance

< Back

Following information is only for service provided in Arkansas, Oklahoma, Springfield, MO and St. Louis, MO (including metro East IL).

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.

Click to view larger:  Financial Assistance Guidelines

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:


Professional Services Financial Assistance:


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


Medical Supply Financial Assistance:


You Have More Options:

Additional resources for medical bill financial assistance can be found through state agencies. Download our guide to state services.

Looking for More Information?

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.