Nationally ranked care. Another way our love for kids just keeps on growing.

 Answers to Frequently Asked Questions 

What are my payment options online?

Online payment though our site is possible by check or credit card.  Credit cards accepted include American Express, MasterCard, Discover, and VISA.  Payments will be processed within three (3) business days of receipt.

Is this website safe for credit card transactions?

Yes.  The transaction portion of this website is protected with the latest encryption software from GeoTrust, an industry leader in secure transaction software.

Can I pay my bill over the phone?

Yes. We accept check, debit or credit card payments (American Express, MasterCard, VISA or Discover) over the phone. You can also pay online 24 hours a day.

If you would like for a customer service representative to take your payment over the telephone, we are available to help Monday through Friday from 8 a.m. to 5 p.m. by calling 314-989-6789 or toll-free 855-989-6789.

Can I view my account balance online?

No. Online access to account information is not possible at this time. If you have questions regarding your account balance or any other account-related topic, call 314-989-6789 or toll-free 855-989-6789.

Is there a fee for making my payment online?

No.  There is no fee for making a payment online.

Who do I call if I have questions about my bill?

Your final bill will not be submitted to your insurance plan until 10 to 14 days after the last day that treatment was provided. Any questions you have can be answered by contacting our billing office toll-free at Monday through Friday from 8 a.m. to 5 p.m. by calling 314-989-6789 or toll-free 855-989-6789.

How can I receive a detailed copy of my bill?

To receive a detailed copy of your bill please call 314-989-6789 or toll-free 855-989-6789.

What if I overpay and a refund is due?

Once your insurance company has made final payment and your true overpayment is assessed, our billing office will refund the appropriate amount.

What if there is a mistake on my bill?

If you feel there is a mistake on your bill from SSM Health Care, please contact our billing department at 314-989-6789 or 855-989-6789 (toll-free) Monday through Friday from 8:00 a.m. to 5 p.m. to discuss.

Why have I received multiple bills?

We bill for the facility charges only. Physicians, Pathologists and Radiologists bill their professional services separately.

How long do I have to pay my outstanding medical bills?

There is a due date on your bill. If you are not able to pay the entire amount of your bill at one time, we offer several programs to fit your needs. Please contact us at 314-989-6789 or 855-989-6789 (toll-free) Monday through Friday from 8 a.m. to 5 p.m. for further details.

We also offer Financial Assistance which can discount services for those experiencing financial hardship.

How will I know if my insurance company has paid my bill?

Once your insurance company has paid its portion of your bill, you will receive an Estimation of Benefits (EOB) update from your insurance. When SSM Health Care has accepted payment from your insurance company, a new statement will be sent to you reflecting the credit to your account and your updated balance.

Why is my co-payment (co-pay) or deductible due at the time of service?

Per your contract with your health insurance company, you may be responsible for up-front payments.  If you have questions concerning your financial responsibility, please call the customer service number on the back of your insurance card.

Please realize that the co-pay is only a small portion of the actual cost of your hospital visit.  But its collection at the time of service is an obligation your insurance carrier expects as part of your cost-sharing coverage agreement.

I haven’t been asked to pay before. Why now?

We are required to collect your co-pay that is set by your insurance company at the time of service.

My child’s other parent is responsible for his/her health care.  Why do I have to pay the co-pay today?

We understand that you may have an agreement with your child’s mother or father.  We will be happy to give you a receipt so that you can ask them for reimbursement. Please ask for this receipt at the time of service.

If I pay my co-pay/deductible, will that be the end of my financial responsibility?

Co-payment/deductible amounts are determined by the agreement you have with your insurance plan. Depending on the terms of your insurance plan, you might also have a co-insurance obligation to meet. Additionally, there might be procedures that are not covered by your plan. You will need to contact your insurance company about the terms of your agreement.

You are a not-for-profit religious organization.  Why are you concerned with collecting my co-pay or deductible?

Our primary function is to provide care to you.  We are only collecting what you have agreed to pay when you signed up with your health plan.

What if I don’t have health insurance?

You will receive a self-pay discount on your final bill.  We will also provide you with information on financial assistance and Medicaid.

What if I can’t afford to pay what I owe the hospital?

The treatment provided to you was a necessary part of your treatment plan. There are many payment plans available to you. Contact Customer Service at 314-989-6789 or toll-free 855-989-6789 to discuss which plan is most appropriate for you. Our goal is to provide you with information and flexibility to ease any worry you may have about your bills.

If I don’t have insurance, can I still receive hospital services?

As a Catholic health care ministry dedicated to the communities we serve, SSM Health Care-St. Louis has provided exceptional health care services to our patients, regardless of their ability to pay, since 1872. By satisfying certain eligibility requirements, patients can receive full or partial financial assistance, depending on your financial needs and situation.

Some patients who meet eligibility requirements express a desire to cover part of the cost of their care with a voluntary contribution. If you wish to do so, please call us at 314-989-6789 or 855-989-6789 (toll-free) Monday through Friday from 8 a.m. to 5 p.m.

What if my insurance doesn't cover the entire cost of my care?

Insurance does not always cover an entire medical bill. If you are having difficulty paying the full amount of your bill, we can help establish a payment plan or help you apply for financial assistance.

Please contact our billing department at 314-989-6789 or 855-989-6789 (toll-free) Monday through Friday from 8 a.m. to 5 p.m. to discuss payment plans or eligibility for financial assistance.

What should I do if I disagree with how much my insurance company has paid on my bill?

If you have questions regarding payment, call your insurance company for an explanation of payment. If the insurance company finds that an error was made, note the information and to whom you talked at the insurance company. Request an anticipated payment date and ask if they need anything to complete processing. If the insurance company feels the bill was paid correctly and you still disagree, find out from the insurance company what you need to do to file an "appeal" with them. Filing an appeal will not guarantee that the insurance company will pay more on your bill, but the claim will be reviewed for reconsideration.

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