Financial and Insurance Information

To Our Patients

For many patients and their families, a visit includes filling out unfamiliar forms and answering financial and insurance questions. The information below and the phone numbers that follow can help with this process.

Heartland Regional Medical Center (doing business as Mosaic Life Care) and all other Heartland Health controlled organizations will honor assignments of insurance benefits for 45 days from the date of billing to the insurance company.  If, at the end of 45 days, the insurance company has not settled the account, Mosaic Life Care will look to the patient for the final settlement of the account.

Any patient having inadequate insurance coverage, or no insurance coverage, will be requested to make appropriate deposits at the time of admission.

Your Insurance Identification (I.D.) Card

Medicare I.D. Cards

Starting in April 2018, Medicare is removing Social Security Numbers from Medicare cards and will begin sending out new cards with a new unique number for each person with Medicare.

This change is to help protect people with Medicare from identity theft and will not impact insurance coverage. New cards will be mailed out between April 2018 and April 2019. Once you get your new card, destroy your old one and start using your new card right away. Remember, bring your new card with you to your medical appointments.

To prepare for the new card, make sure your mailing address is up to date. If your address needs to be corrected, contact Social Security at or call 1-800-772-1213. TTY users can call 1-800-325-0778.

Medicare will never ask you for personal or private information to get your new Medicare number so beware of anyone who contacts you for this reason.

See the new card and learn more.

Insurance I.D. Cards

To enable Mosaic Life Care to bill your insurance company directly, you will be asked to provide your insurance identification (I.D.) card(s). In the event of a true emergency, the card should be presented as soon as possible following admission. You will also be asked to provide any claim or referral forms required by your insurance company.

Mosaic Life Care at St. Joseph - Medical Center is a participating hospital provider in numerous major managed care organizations.

Note: Failure to provide accurate and current insurance information and required referrals when you are admitted could result in penalties or a reduction of benefits by your insurance company.

Your insurance and Medicaid coverage

There may be some services or supplies your insurance will not pay for. Should this occur, you will be billed directly. To apply for Missouri Medicaid, please contact a representative at (816) 271-7524.

340B Program

The 340B program was created in 1992 to expand access to affordable medications to low–income populations. It allows hospitals, such as Mosaic Life Care at St. Joseph - Medical Center, to purchase prescription drugs at a substantially lower price, passing that savings along to low–income patients who can receive prescriptions at a discounted price. You have the right to choose the pharmacy of your choice. 

To be an eligible patient of Mosaic Life Care’s 340B program a patient must:

  • See a provider that is either employed with, contracted with or referred from Mosaic Life Care AND
  • Mosaic Life Care must have record of care (i.e. medical record) AND
  • The prescriber must be in Mosaic Life Care at St. Joseph - Medical Center or a facility (i.e. child site) that is 340B eligible.

If you wish to transfer any of your prescriptions to a 340B participating pharmacy, please contact your Mosaic Life Care provider.


Most insurance companies require pre-certification, or approval of admission before a scheduled hospital stay and various outpatient exams. It is the admitting physician's responsibility to contact a patient's insurance company to complete those requirements before service. Ultimately, you are responsible to notify your insurance company before arriving.

Emergency admissions must be "pre-certified" by contacting your insurance company as soon as possible (usually within 24 hours).

Note: Failure on your part to pre-certify with your insurance company could result in a reduction of benefits, or in some instances, a denial of payment by your insurance company for your hospital stay.


Many insurance companies limit the number of days of hospitalization that they will cover, and may limit certain hospital services. Please contact your insurance company for complete information about your benefits and coverage.

Second Surgical Opinions

Many insurance companies require a second surgical opinion prior to approving surgery. Please check your insurance policy to determine if this is required.

Discharge Planning

Discharge planning often begins when you are admitted. During your hospital stay, your care is monitored by a nurse case manager and, when indicated, by a social worker from Care Management. The case manager maintains contact with your insurance company to review your plan of care and assess your needs. The social worker will assist you in planning your discharge and arranging any post-discharge needs that you may have.

Medical Necessity

This term refers to those services, as defined by your insurance company, that are medically appropriate in a hospital setting. Your insurance company may determine that some or all of the services that you receive during your hospital stay are not "medically necessary." Should this occur, you should receive notification from your insurance company that these services may not be payable by your plan, as well as a letter from Mosaic Life Care outlining your financial responsibilities for these services. For more information, contact Patient Financial Services at (816) 271-7524.

Denials and Appeals

Mosaic Life Care maintains an Appeals process to review non-coverage decisions related to your visit. Patients continue to remain responsible for deductibles, co-insurances or other charges outlined in your health care insurance policy.

Financial Assistance

For patients who are unable to pay the full amount, Mosaic Life Care has a program that may help pay the healthcare services. Applicants will be evaluated for possible Medicaid eligibility and may be required to formally apply through the Division of Family Services for Missouri Medicaid or contact a HCFS representative at (816) 271-7036. An application for Financial Assistance can be made with Patient Financial Services by calling (816) 271-7524. Patients may apply Monday through Friday, 8 a.m. to 4 p.m. or inquire by phone (816) 271-7524. Patients outside the St. Joseph calling area should call (800) 447-1095, please stay online for the next available representative.

To request an itemized bill (detailed charges)

At the patients request, Mosaic Life Care will provide an itemized bill. Please call Patient Financial Services at (816) 271-7524.

If You Have Questions

If you have further questions, please do not hesitate to call any of the following departments for assistance.

Centralized Scheduling
(816) 271-1278 or (800) 443-4515
8 a.m. - 5:30 p.m., Monday - Friday

Health Access Department
(816) 271-6579 or (800) 447-6827
8 a.m. - 5:30 p.m., Monday - Friday

(816) 271-6642
8 a.m. - 5 p.m., Monday - Friday

Patient Financial Services
Hospital and Clinic Billing: (816) 271-7524 or (800) 447-1095
8 a.m. - 4:30 p.m., Monday - Friday.