Helping You Pay Your Medical Bills

At Essentia Health, we know it is hard to heal when you are worried about paying your medical bills. As part of our commitment to provide patient-centered care, we provide cost estimates - both proactively and upon request - to patients prior to surgeries or other high-priced procedures. These estimates include costs for your hospital stay, surgeon's fees and anesthesia charges as well as insurance co-pays and deductibles.

If you are uninsured or under-insured, our financial counselors can also work with you to determine what discount programs you may qualify for to help cover your costs.

If you do not hear from us in advance of your surgery or procedure and would like to receive a cost-estimate, or if you are concerned about your ability to pay your medical bills, please call us at  833-430-5663

  • Payment Options

    For your convenience, we take payments online and over the phone. We can even schedule payments to take the worry out of making your payments on time. Essentia Health offers short-term interest-free payment plans and long-term financing. Payments will be determined by the balance on your account.

    We offer several payment options that are customized to meet your needs.

    • In-house Payment Plan: Payment terms offered up to a maximum of 5 months with a minimum payment requirement of $40 per month.
    • Extended Financing Options
      • CareCredit*: Essentia Health has partnered with CareCredit to offer flexible financing options. CareCredit is a health, wellness and personal care credit card that gives you the ability to pay over time with promotional financing options* for expenses of $200 or more. Choose between promotional terms for 6, 12 and 18 months. Learn more or apply at

    *Subject to credit approval. Minimum monthly payments required. See for details.


      • ClearBalance*: Essentia Health has partnered with a well-established healthcare finance business called ClearBalance. We are able to offer a budget-friendly and interest-free way to pay your bill with terms up to 36 months.

    *Please note that financing terms are determined by the size of the balance that needs to be funded.

      • Bank Loan: Essentia Health has partnered with Park State Bank to offer a low-interest bank loan for up to 5 years.

    If you have any questions or would like to learn more about our Essentia Health payment options, please contact our Essentia Health Business Office at 855-347-9674.

  • Uninsured Discounts

    Patients without insurance coverage are eligible for a discount for medically necessary services provided by Essentia Health. Discounts may vary by location; contact your local business office representative for more details.

  • Financial Assistance Program

    Essentia Health is dedicated to making a healthy difference in people's lives. In fulfilling our mission, we offer financial assistance to patients whose insurance coverage and/or ability to pay their medical bills is limited.

    Essentia Health's Financial Assistance Program provides a discount on bills for emergent and medically necessary care. A FAP eligible individual can't be charged more than the amounts generally billed for emergency or other medically necessary care. The program may cover current and outstanding bills and may remain in effect for 12 months after enrollment.

    You may qualify for financial assistance when:

    • You meet our program's income/asset guideline.
    • You are uninsured.
    • Your insurance policy does not provide full coverage for medically necessary care.
    • You have substantial out-of-pocket expenses and are unable to manage your medical bills.
    • You have completed an application.

    The Financial Assistance Program is not an insurance program and does not cover:

    • Certain medical services. Contact a representative for a complete list of non-covered services.
    • Retail services from audiology, pharmacies or optical shops, etc.
    • Services supplied by organizations that are not part of Essentia Health.
  • Before Your Visit

    Prior to your visit, please check with your insurance company to verify whether or not you need a referral from your primary care clinic or a prior authorization from your insurance company.

  • On the Day of Your Visit

    Please bring a current copy of your identification, insurance card and any co-payments required by your insurance policy to your appointment.

    In addition, you may be asked to sign a General Consent Form. This authorizes Essentia Health to bill your insurance. If this form is not signed, the balance for your visit may become your responsibility.

  • After Your Visit

    Essentia Health will bill your insurance company for charges related to your visit. After your insurance determines what they will cover, we will bill you for the remaining balance. Payment for that balance is due upon receipt of your billing statement.

    If you are unable to pay the remaining balance in full, or believe that your insurance company should have covered the expenses, please contact one of our representatives. We can work with you to resolve billing issues and determine what programs you may be eligible for. A collection agency may be used when balances go unpaid, be sure to let our business office know if you require assistance. We are here to help you.

  • Are You Uninsured?

    As part of the Affordable Care Act, there may now be insurance coverage available for you and your family. Visit to research coverage that you may be eligible for. You may also call our office if you have any questions.

  • How Do I Apply for Financial Assistance?

    At Essentia Health, we understand the importance of receiving health care when you need it, regardless of your financial situation.

    For information on how to apply or to get a copy of a free financial assistance application or to review our policy you can:

    • Find more information on our Billing & Financial Assistance page.
    • Call the Essentia Health Business Office toll-free 800-985-4675 or 218-786-3333 and request a free application to be mailed to you.
    • Visit the financial counseling office and/or registration desk at any Essentia Health hospital or clinic.

Updated: 7/1/2020


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