Financial Assistance Guidelines

Summary of Mosaic Life Care Financial Assistance Policy

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Mosaic Life Care is committed to improving the health of individuals and communities located in our region. We seek to provide quality care to individuals, regardless of their ability to pay and have established a financial assistance program to help qualifying residents of our service area, with limited financial resources, in paying for their medical care. 

ELIGIBILITY

A patient or guarantor (a person, other than the patient, who is responsible to pay the patient’s bill) is eligible for financial assistance, help or aid based on where he or she lives, gross (the amount before taxes and other amounts that are taken from pay) and the number of dependants living in the household (dependants that are claimed on your income tax return filed). 

Residency: To be approved for financial assistance, you must be a resident of Mosaic Life Care’s primary, secondary, tertiary, or expansion service areas or a student attending school in one of these areas. Please note, services provided in the North Kansas City Clinics, with the exception of Platte City, are excluded from Financial Assistance.

Primary service area counties: Missouri – Andrew, Buchanan, Platte; Kansas – Doniphan

Secondary service area counties: Missouri – Atchison, Caldwell, Clinton, Daviess, DeKalb, Gentry, Grundy, Harrison, Holt, Livingston, Mercer, Nodaway, Worth; Kansas – Atchison, Brown, Nemaha; Nebraska – Nemaha, Richardson.

Tertiary service area counties: Missouri – Carroll, Cass, Jackson, Johnson, Linn, Putnam, Ray, Sullivan; Kansas – Jackson, Jefferson, Johnson, Leavenworth, Nemaha, Wyandotte; Nebraska – Nemaha, Richardson; Iowa – Decatur, Fremont, Page, Ringgold, Taylor 

Expansion service area counties: Missouri – Platte, Clay.

Gross household income: Mosaic Life Care patients or guarantors with gross household income up to 300 percent of the Federal Poverty Guidelines.

ASSISTANCE

Full or Partial Financial Assistance is given to patients or guarantors who have a household income of up to 300 percent of Federal Poverty Guidelines.

Depending on the patient's or guarantor's insurance coverage, a payment of up to $40 will be due for a Mosaic Life Care clinic visit and $75 for an Emergency Room visit; which may not be included in financial assistance.

Limitations on fees and charges:

Those eligible for assistance will be granted a discount on Mosaic Life Care bills for care that is medically necessary or an emergency, and the fees they must pay will not exceed the amount generally billed by Medicare and privately insured patients. 

How to obtain information and apply for assistance: 

To get a copy of the full Financial Assistance Policy and a financial assistance application at no charge, visit myMosaicLifeCare.org/myFinancialOptions or call Patient Financial Services at (816) 271-7524 or (800) 447-1095 to request the information be mailed to you. You may also visit Enterprise Financial Counseling at 5325 Faraon Entrance 4, St. Joseph, MO 64506. The office is open Monday – Friday 8 a.m. – 4:30 p.m.

If you need help filling out the financial assistance application, call Patient Financial Services at (816) 271-7524 or (800) 447-1095 to make an appointment. 

AVAILABILITY OF TRANSLATIONS

This plain language summary, the Mosaic Life Care Financial Assistance Policy and an application form are available in Spanish and other languages spoken by more than 5 percent of the residents in our primary service area. See other translations.

Definition of household: 

Adults; In calculating the Household Size, include the patient, the patient's spouse, and any dependents. (As defined by the Internal Revenue Service's Internal Revenue Code ) Minors; In calculating the Household Size, include the patient, the patient's mother, the patient's father, dependents of the patient's mother and dependents of the patient's father. (As defined by the Internal Revenue Service's Internal Revenue Code)

Definition of income: 

Adults: If the patient is an adult, “Yearly Household Income” means the sum of the total yearly gross income or estimated yearly income of the patient and patient’s spouse.

Minors: If the patient is a minor, “Yearly Household Income” means the sum of the total yearly gross income or estimated yearly income of the patient, and patient’s parent(s) living in the home. If the patient is eligible for Financial Assistance under the financial assistance application process, discounts will be applied based on the patient’s household Federal Poverty Guidelines as follows;