Your Payment Responsibility

Please have your procedure code, procedure/service description, the physician providing care and your insurance information with you and call us at (319) 369-4505 or email financialadvocate@mercycare.org to speak with a financial advocate.

Yes, payment arrangements may be made by contacting us at (319) 369-4505 or by email at financialadvocate@mercycare.org. Phones are answered from 7:30 a.m. to 5 p.m. Monday through Friday.

A co-payment is a set fee the member pays to providers at the time services are rendered. Co-pays are applied to emergency room visits, hospital admissions, office visits, etc. The costs are usually minimal. The patient should be aware of the co-payment amounts prior to the date of service. See more about common billing terms.

Deductibles are provisions that require the member to accumulate a specific amount of medical bills before benefits are paid. For example, if a member's policy contains a $500 deductible, the member must accumulate and pay $500 out of pocket before the insurance carrier will pay benefits. Once the patient has met their deductible, the carrier usually pays a percentage of the bill. The patient is liable for the unpaid percentage. Deductibles are yearly, usually starting in January. See more about common billing terms.

Co-insurance is a form of cost-sharing. After your deductible has been met, the plan will begin paying a percentage of your bills. The remaining amount, known as co-insurance, is the portion due by the patient. See more about common billing terms.