OSF Healthcare Payment Plan

Making healthcare more accessible and manageable for patients is the goal of OSF Healthcare’s payment plans. Not everyone can afford to pay an enormous amount up front, and medical costs might be substantial.

OSF Healthcare helps people stretch out the expense of their care over time by providing payment plans, which eases financial strain and makes it simpler for them to get the treatments they require right away.

OSF HealthCare Payment Plan is a service offered to help patients manage and pay their medical bills over time. If a patient is unable to pay their entire bill at once, OSF HealthCare provides the option to set up a flexible payment plan, allowing them to pay in smaller, manageable installments instead of a lump sum.

Key features of the OSF HealthCare Payment Plan:

This includes;

  • Customizable Payment Terms: The plan can be tailored to fit the patient’s budget, with options for the duration and the amount of each payment.
  • Automatic Payments: Patients can set up automatic deductions from a bank account or credit card, making it easier to stay on track with payments.
  • Convenience: The plan can be managed online through OSF MyChart, where patients can view their balances, make payments, and track the progress of their payment plan.

Patients interested in setting up a payment plan can contact OSF HealthCare’s billing department or use the payment plan option available through their MyChart login portal.

How OSF Healthcare Offers Financial Assistance

  • At OSF HealthCare, we believe all people have a right to receive needed health care.
  • Our doors are open to persons of every faith and ethnic background, regardless of their ability to pay.
  • OSF will never charge anyone to submit a financial assistance application.
  • No one will be denied access to services due to inability to pay.
  • Financial assistance is available based upon family income and size.

In addition to our patient service representatives, OSF HealthCare also has financial navigators in many of our facilities. These financial navigators are specially trained to help you understand all of the options available to you, so you can choose the one that best fits your needs.

Financing via CarePayment

In order to give you more financing options, OSF Healthcare partnered with CarePayment. We understand that situations might change and that you could need more flexible options or longer timeframes to cover your medical costs. It helps patients and bottom line with 0.00% APR Patient Financing.

You can use CarePayment to;

  • Increase Collections and More Cash: Because we engage from pre-access through pre-bad debt, we typically deliver a 2x return over current performance and 5x over any other vendor – net our fees.
  • HIS Expertise: Our Epic expertise allows us to seamlessly integrate with your statement vendors, making implementation easy. We easily integrate with Epic MyChart and are available through the Epic App Orchard.
  • 74 Net Promoter Score: Co-branded, zero interest program + intelligence and preference-based omni-channel engagement platform drives patient satisfaction, volume, and loyalty to your brand.
  • Contractual Guarantee: Performance guarantee ensures incentives are aligned and protects against financial risk. 
  • Fully Compliant Solution: Our compliance and legal teams stay up to date on new legislation and are available to assist OSF HealthCare in developing new policies and procedures that align with regulatory requirements.
  • Shared Values: Our vision to ensure every American can afford to be clinically and financially healthy supports your mission to provide the highest quality care to your Illinois and Michigan communities.

Schedule a demo and see how the only pre-bad debt solution for not-for-profit Catholic health care systems and patients can transform your collections and ROI. Learn more and get started at (https://www.carepayment.com/osf-healthcare/).

Other Financial Assistance

In addition to offering discounts required by law, OSF HealthCare offers financial assistance for medically necessary health care services to those who qualify.

This includes the uninsured, underinsured or those who lack the financial resources to resolve bills for service. All patients are eligible to apply for this assistance. You must provide documentation of income and family size to determine the level of financial assistance available.

Pre-Approval

You can save time and be prepared for any future medical procedures by applying for financial assistance pre-approval. The approval process generally takes less than two weeks and is good for the next 12 months.

You do not need a current appointment for medical treatment, and only necessary medical procedures will qualify. Pre-approval applications and financial documentation can be submitted in person at your local OSF HealthCare hospital or online. Learn more at (https://x.osfhealthcare.org/patients-visitors/billing-insurance/financial-assistance/apply-financial-assistance) to submit pre-approvals for financial assistance.

Still Need Billing Support?

Check out our Frequently Asked Questions (FAQs) on biiling concerns, setup, troubleshooting, and more to gain more knowledge about managing your OSF Health account via the web and mobile app.

We understand how confusing the medical billing process can be. Our patient service representatives can help you understand the billing process and what portion of billing will be your responsibility. If you have questions, please call a patient service representative toll-free at (800) 421-5700. Support is available Monday – Friday, 8 a.m. – 4:30 p.m.

Partnering with Elevate PFS

OSF HealthCare partners with Elevate PFS to provide free financial advocacy for patients who do not have medical insurance. Elevate PFS will work with patients to identify what assistance may be available to them for medical bills.

You may have been referred to Elevate PFS if you received care from OSF without insurance or if a financial counselor identified that you might need more insurance coverage.

Contact Elevate PFS:

Phone Call: (866) 402-3630
Email: OSF@ElevatePFS.com

Uninsured Discount

Some families may qualify for discounted health care through the Illinois Uninsured Discount Act or Healthy Michigan law.

To determine if you qualify, you will be required to provide proof of income, such as a copy of a tax return or pay stubs, as well as proof of state residency, such as a driver’s license, identification card or utility bill.

Your income will then be compared to federal poverty income guidelines to determine what level of discount (up to 100%) you may receive.