Frequently Asked Questions

  1. What's the best way for me to pay my hospital bills?
  2. What is a deductible? A co-payment?
  3. Who is responsible for paying my bill?
  4. What other bills will I receive?
  5. Did you bill my correct insurance?
  6. What is pending with my insurance?
  7. What do I owe?
  8. Did you receive my payment?
  9. Why didn't my insurance pay?

1. What's the best way for me to pay my hospital bills?

Unpaid balances, including all applicable co-payments, co-insurance, deductibles and any non-covered services are the responsibility of the patient and must be paid upon receipt of the statement. For your convenience we accept a variety of payment methods:

  • cash, check, or money order
  • Visa
  • Discover
  • Mastercard
  • American Express
  • Payroll deduction is offered for employees of St. Anthony's Medical Center

Short term payment plans or a bank loan may be available for larger balances. Any payment plan other than payment-in-full must be agreed to by our office before being considered accepted.

St. Anthony's Medical Center offers a variety of Financial Assistance programs. Self-pay discounts are available for those without insurance. Financial Assistance is available for those who are unable to pay for all or part of their hospital bill. An application must be completed to determine eligibility. Please contact our Customer Service department at 314-525-4747 or patientbilling@samcstl.org for assistance.

2. What is a deductible? A co-payment?

  • A deductible is the initial amount of "covered" health costs that you pay before your insurance plan begins reimbursement. A deductible is usually a set dollar amount such as $250 or $500.
  • A co-insurance is the portion of your health care expenses not covered by insurance. A co-insurance is usually a percentage figure, like 10% or 20%.
  • A copay is usually a set amount you owe per visit or per service. Copays are usually associated with ER visits, Physical Therapy or other outpatient services.

    For example, on a $500 bill, your deductible might be $150, so you would have to pay the first $150. This leaves a balance of $350. Of that $350, your co-insurance might be 20%, meaning that you will have to pay an additional $70. Your insurance company will pay the remaining $280. Once you have this information, there are a number of ways for paying your bill:
  • Payment of deductibles, copays and coinsurance is due at the time of service.
  • The hospital will file the claim for you. After insurance carrier has made payment, you will receive a bill asking for payment on the balance.
  • In certain circumstances, you will be able to make monthly payments to the hospital until the bill is paid in full. Payment arrangements must be set up with a Patient Accounts Representative. Please call 314-525-4747 or email patientbilling@samcstl.org.

3. Who is responsible for paying my bill?

The hospital will bill your insurance company directly (unless you specify otherwise), you are ultimately responsible for making certain that your bill is paid.

If a balance remains after your insurance has issued a payment or a denial, payment is due immediately upon receipt of your statement.

4. What other bills will I receive?

In addition to your bill from the hospital, you may receive bills from other physicians who may have provided services to you. For instance, you may receive bills from consulting physicians, radiologists, or other specialists. Please contact their office directly if you have questions concerning their bills.

South County Radiology - 314-821-8055
PO Box 954129
St Louis, MO 63195

South County Anesthesia - 636-386-7222
PO Box 22407
St Louis, MO 63126

Pathology Associates - 800-354-1088
PO Box 144333
Orlando, FL 32814-4333

Millenium Medical Management Resources - 866-734-0640
Emergency Physicians of St Louis, INC
Dept 20-7035 PO Box 5997
Carol Stream, IL 60197-5997

5. Did you bill my correct insurance?

To find the answer to this question, you will need to check your account details.

6. What is pending with my insurance?

To find the answer to this question, you will need to check your account details.

7. What do I owe?

To find the answer to this question, you will need to check your account details.

8. Did you receive my payment?

To find the answer to this question, you will need to check your account details.

9. Why didn't my insurance pay?

To find the answer to this question, you will need to check your account details.