Bill Pay & Financial Support

eStatements and Online bill pay

Visit our eStatements secure portal to view current statements and statements from the past 12 months or to make a payment online. Go now by visiting UMP bill pay.

Pay by Mail

A couple weeks after your appointment, if you have not signed up for eStatements, you should receive a bill in the mail with instructions for how to send in payment. Please note that if you provide a check as payment, you authorize University of Minnesota Physicians to either use information from your check to make a one-time electronic fund transfer from your account, or to process the payment as a check transaction. For questions about this, please call 763-782-6634.

Receiving Multiple Bills

At University of Minnesota Medical Center where most of the clinics where we practice are located, most clinics are owned by Fairview, but staffed and managed by UMPhysicians. In most cases, you will get two bills, one for facilities, nursing and equipment from Fairview, and one for the professional services provided by your doctor and medical team from UMPhysicians. In certain cases, anesthesia services will be billed separately. View our list of clinics and how they bill.

Split Billing: Typical insurance coverage for a routine or well-physical exam

Many services are *typically included in a well-physical exam (see list below). During your exam, your provider may identify conditions requiring further evaluation or management (stomach upsets, cough, warts, moles, etc.). Services to care for these, if provided at the same visit, may incur charges for a separate office visit, co-pay, etc. (“split billing”). These charges may be applied toward your deductible by your insurance company. For more information, talk with your insurance company about split billing before your appointment. They can tell you what your plan specifically covers as part of a well-exam.

*Services usually covered as part of a well-exam:

  • Complete medical history
  • Physical exam, including pelvic exam for women
  • Medication review and prescription renewal
  • Allergies/adverse drug reactions review
  • Immunizations review
  • Weight, height, blood pressure and pulse
  • General wellness counseling
  • Tobacco and alcohol screenings, discussion
  • Weight control and exercise counseling

Billing and Payment Inquiries

For any billing and payment inquiries, please call Patient Financial Services at 763-782-6500.

Registration Department

For any changes to your name, address, telephone number or insurance coverage, please call the Registration Department at 763-746-5700.

Community Care Program

Patients experiencing financial difficulties may qualify for additional discounts under our Community Care program. Learn about our Community Care program and download an application online, or call Patient Financial Services at 763-782-6500 for more information.

Estimating your out-of-pocket costs

Most insurance carriers classify clinic services that are provided in a hospital-owned facility as “outpatient hospital visits”. Depending on your health insurance benefits plan, this may result in increased out-of-pocket costs, either through an increased co-pay, co-insurance, or deductible amount. To find out more about potential out-of-pocket costs:

  • Call the phone number on the back of your insurance card and ask a customer service representative about the cost difference to you between physician services in an outpatient hospital and those in a physician office. You can also ask them to compare past out-of-pocket costs to your current situation.
  • Check the certificate of coverage in your benefit plan summary for your coverage of physician services in an outpatient hospital setting.
  • Procedures done in hospital-based clinics could be more expensive than in a free standing clinic, so before you agree to a suggested procedure, you have the right to request the charges for that procedure, or to speak to a financial counselor.
  • Certain specialty areas have complex situations for insurance coverage (Dermatology, Dermatologic Surgery, where some situations will be considered medically necessary and some cosmetic) and it is extremely difficult to let patients know ahead of time if the services will be covered by insurance. For answers, call UMPhysicians financial counselors at 612-626-0959.

Insurance Plan Information

HMO's and PPO's
HMO and PPO patients are expected to obtain a referral for the visit (if required by your plan) and to pay the co-payment specified by the plan at the time of service. Please familiarize yourself with your specific coverage to understand your payment obligation. Contact your insurance company to determine your plan's specific requirements and coverage options.

Medicare patients are not required to make payment at the time of service. Any deductible or patient responsibility will be determined after billing Medicare.

Medicaid patients are required to bring their current Medical Assistance card reflecting coverage eligibility for the appointment date. If your plan requires a co-payment, it will be due at the time of service. If you do not have your card, we may not be able to verify your plan eligibility and you will be considered a self-pay patient.

We accept and bill commercial plans. Please familiarize yourself with your specific coverage to understand your payment obligation.

Self Pay
We offer a 20% prompt-pay discount to patients paying their estimated charges at the time of service. Our financial counselors will work with the patient and care provider to determine an estimate for the costs of the services provided for the visit. However, this is only an estimate and any remaining balance will be billed to the patient. We accept cash, personal checks, money orders, Visa, MasterCard, Discover and American Express. Patients who are unable to meet the payment expectations outlined above may contact our office to discuss alternative arrangements (see Community Care program below). Please note that this discount does not apply to elective services including infertility treatment, dermatology and some others.

Managed Care Plans 
University of Minnesota Physicians (UMPhysicians) participates in several primary care focused, managed care products. General pediatricians, general interns, family physicians and sometimes obstetricians/ gynecologists may be chosen as primary care physicians (specific physicians vary by plan). UMPhysicians subspecialty physicians may be seen under these plans with primary care physician authority. Contact your health plan representative to verify access to UMPhysicians primary care and specialty physicians.

UMPhysicians participates in the following managed care plans:

  • Americas PPO
  • Blue Cross Blue Shield of Minnesota
  • Champus (TriCare)
  • Coventry-First Health & Focus
  • Government Employees Hospital Association, Inc. (GEHA/PPO USA Network)
  • Great West
  • Group Health Cooperative of Eau Claire
  • HealthPartners/CIGNA
  • Humana ChoiceCare
  • Medica Health Plans
  • Medicare
  • Metropolitan Health Plan (MHP)
  • Minnesota Medicaid
  • Multiplan/PHCS
  • Patient Choice
  • Portico HealthNet
  • Preferred One
  • Security Health Plan
  • SelectCare/LaborCare
  • Senior Partners Care
  • South Country Health Alliance (SCHA)
  • UCare Minnesota
  • WEA Insurance Corporation
  • Wisconsin Physician Services (WPS)

Who Will Be Billing Me?

The number of bills you receive depends on which clinic you visit and the services you receive. Use the chart below to find the clinic you visited to determine from whom you should expect to see a bill from. Please note that while this list indicates who you should receive a bill from, there may be exceptions for specific programs or services within a clinic or for imaging or anesthesiology. 

Expect a UMPhysicians Bill:
Bethesda Clinic
Broadway Family Medicine Clinic
Center for Clinical Imaging Research Clinic
Dental Clinic
Developmental Behavioral Pediatrics Clinic
Contact Lens Clinic
UMP Imaging Center (Radiology/X-Ray)
Mill City Clinic
Mincep Epilepsy Care
Pediatric Specialty Clinic (St. Paul)
Phalen Village Clinic
Radiation Therapy Center (Wyoming, MN)
Reproductive Medicine Center
Sexual Health, Center for
Smiley’s Family Medicine Clinic
Sports Medicine Clinic
UMPhysicians Neurology Clinic (St. Paul)
Expect a UMPhysicians and Fairview Bill:
Adult Congenital and Cardiovascular Genetics Center
Autism Spectrum and Neurodevelopmental Disorders Clinic
Blood and Marrow Transplant Clinic
Breast Center
Cardiovascular Center (UMPhysicians Heart)
Center for Bleeding and Clotting Disorders
Colon and Rectal Surgery
Comprehensive Epilepsy Center
Dermatologic Surgery and Laser Center
Dermatology Clinic
Ear, Nose and Throat Clinic
Endocrinology and Diabetes Clinic
Eye (Ophthalmology) Clinic
Fibroid Clinic
GI (Gastroenterology) Clinic (Digestive Disease)
Delaware St. Clinic
International Adoption Medicine Program
Kidney/Renal (Nephrology) Clinic
Liver (Hepatology) Clinic
Lung (Pulmonology) Clinic
Lupus Clinic
Memory Clinic
Minimally Invasive Surgery, Center for
Minnesota Lions Children’s Eye Clinic
Movement Disorders and Epilepsy Surgery Center
Multiple Sclerosis Center
Muscular Dystrophy Center
Neurology Clinic
Neuropathy Clinic
Neurosurgery Clinic
OB/Gyn Clinic (Women’s Health Specialists)
Orthopaedic Clinic (Minneapolis)
Pancreas, Biliary and Liver (Hepatology) Clinic
Pathology Lab
Pediatric Blood and Marrow Transplantation, Center for (Journey Clinic)
Children with Cancer and Blood Disorders, Center for (Journey Clinic)
Pediatric Inflammatory Bowel Disease Center
Lions Children’s Hearing and Ear, Nose and Throat Clinic
Pediatric Eye Clinic (Minnesota Lions Children’s Eye Clinic)
Pediatric Radiation Therapy Clinic
Pediatric Specialty Clinic (Discovery Clinic – Minneapolis)
Pediatric Specialty Clinic (Explorer Clinic – Minneapolis)
Physical Medicine and Rehabilitation Clinic
Primary Care Center
Prostate and Urologic Cancers, Institute for
Psychiatry Clinic
Radiation Therapy Clinic (Pediatrics)
Rheumatology Clinic
Sickle Cell Clinic
Sleep Medicine Clinic
Specialty Clinic for Children (Burnsville)
Specialty Infusion and Procedure Center
Surgery Clinic – Riverside
Surgery Clinic, Colon and Rectal
Surgery Clinic, General
Surgery Clinic, Plastic and Reconstructive
Surgery Clinic, Thoracic
Thoracic Surgery Clinic
Thyroid Eye Disease, Center for
Transplant Center
Trauma Clinic
UMP Heart Edina
Urology Clinic
Vascular Surgery and Interventional Radiology Clinic
Weight Loss Surgery Center (Bariatrics)
Weight Management Center (Medical)
Women’s Health Specialists Clinic
Expect a Fairview Bill:
Masonic Cancer Clinic
Gynecologic Cancer Clinic
Heart (Cardiology) – University of Minnesota Heart Care
Fairview Sports and Orthopaedic Clinic
Long-Term Follow-Up Program
Maple Grove Clinics
Maternal-Fetal Medicine
Radiation Oncology Clinic (University – East Bank)
Riverside Hematology, Oncology and Infusion Center
Women's Heart Clinic
Expect a Partner Bill:
Endoscopy Services (Riverside Endoscopy Center)
Orthopaedic and Sports Medicine (HealthPartners/Regions Hospital)
TRIA Orthopaedic Center