Financial Policies

At Mercy, our policy is to provide exceptional health care services to people in the communities we serve, regardless of ability to pay. Many of our patients have insurance or other programs to help pay for the services they receive, and in many cases, we have agreements with these insurance companies and other payors. When we have such agreements, we bill in accordance with the terms of the contracts. For patients with limited or no ability to pay, we extend a variety of financial assistance measures, as noted below.

What if I have questions about payment or need help applying for financial assistance?

Please call Customer Service at (608) 741-7630 or (866) 269-7115. You may also visit the Customer Service Department at the MercyCare Building at 580 N. Washington Street, Janesville, WI 53547 Monday through Friday 8:00am to 4:30pm.

To get more information about our Financial Assistance Program you can also call or write to the Mercyhealth Customer Service Department, in person – Visit Mercy Hospital and Trauma Center, Mercy Walworth Hospital and Medical Center, Mercy Harvard Hospital, or Online – At mercyhealthsystem.org

What if I have no insurance?

If you have no insurance, we will provide medically necessary services to you at a discounted price. The discount does not apply to services that are not medically necessary or to retail services such as purchases of glasses or prescription drugs. We calculate the rate by taking an average of certain discounted rates we offer to insurance companies. For our current discount, call (608) 741-7630, or toll-fee at (866) 269-7115.

We apply the discount to all uninsured patients. You may also qualify for other payment programs, including our charity care program, Community Care, which offers reduced prices and free services for patients who are uninsured or underinsured. Please see the Hospital Financial Assistance Policy below.

If you do not qualify for a payment program, we may ask that you pay a deposit on the day of your service. We will bill the remaining amount later.

Sometimes, after we provide services, we learn that patients have insurance. When that happens, we will bill at either our standard rates or the rates that we have negotiated with the insurance company or other payor. You will be responsible for the portion of your bill not covered by insurance.

What options do I have for paying my bill?

You may pay your bill in a variety of ways. We accept most major credit cards. You may also pay in cash, check or by using a bank credit card. We will also extend interest-free, short-term financing for your portion of the bill. Under our short-term financing program, you may pay balances in equal installments of at least fifty ($50) dollars for a period of up to twelve (12) months. Depending on your circumstances, we may work out a longer payment term. You may make financing arrangements with a patient financial counselor or customer service representative. For more information, please call (608) 741-7630, or toll-fee at (866) 269-7115.

We also provide extended financing programs through lending institutions (banks or credit unions). These options are available for patients who may need to make payments over a longer period of time.

What happens if I do not make payments?

We will send monthly statements to you (or the person responsible for your bill, sometimes known as a guarantor). Our statements will tell you the dates of services rendered, the charges for the services, the amount we billed to your insurance company, payments we have received and information on how to contact us if you have questions or need assistance paying your bills.

If you know that you will not be able to pay your bill on time, please contact Customer Service at (608) 741-7630 or toll-free at (866) 269-7115 Monday through Friday, 8:00am to 4:30pm. If you do not respond to any of our monthly statements, we may send your account to an outside agency to assist us in contacting you and receiving payment. All of our efforts to obtain payment, whether performed internally or by an outside third party, will be consistent with all applicable regulations. Please see the Mercyhealth Billing and Collection Policy at the bottom of this page.

How does the Community Care program work?

Mercyhealth’s Community Care Program is our Traditional Charity Program under Mercyhealth Financial Assistance Policy. Under our Community Care program, you may apply for and qualify for reduced prices or free services, depending on your eligibility.

You may obtain a Community Care application by contacting one of our patient financial counselors. You may also call Customer Service at (608) 741-7630 or (866) 269-7115 or visit the Customer Service Department at the MercyCare Building at 580 N. Washington Street, Janesville, WI 53547 Monday through Friday 8:00am to 4:30pm.

To get more information about our Financial Assistance Program you can also call or write to the Mercyhealth Customer Service Department, in person – Visit Mercy Hospital and Trauma Center, Mercy Walworth Hospital and Medical Center, Mercy Harvard Hospital, or online – At mercyhealthsystem.org

Illinois Hospital Uninsured Patient Discount Information

An uninsured Illinois resident who meets certain income requirements may qualify for a discount of hospital services. You may apply for consideration under Mercy’s financial assistance program. Please call 1-800-236-0999 or speak with a Patient Financial Counselor to learn how to apply.

Financial Policies & Applications for Assistance