Paying your hospital bill and worrying about insurance claims may be the last thing you or your loved ones want to deal with while you are coping with cancer. That’s why MD Anderson has financial specialists committed to helping you throughout your care.
MD Anderson's Patient Business Services teams and Financial Clearance Center work behind the scenes to help you understand the insurance and billing process so you can focus on your cancer treatment.
Our customer service representatives are here to answer questions about your bill and patient statement. You may reach us online through MyChart.
Representatives are available 8 a.m. to 5:30 p.m. Monday through Friday (closed between 12 p.m. and 1 p.m.).
Health care is complicated, and so is insurance.
It’s easy to get overwhelmed when navigating the ins and outs of insurance coverage.
That’s why we explained commonly used terms to help you better understand the process.
We want to help answer your questions so you can spend more time focusing on your care.
Co-insurance: A method of cost-sharing between you and your insurance provider. You pay a percentage of costs as part of your contract with your insurance provider. You pay this amount even if your deductible has been met. For example, you may pay 20% of the costs of your services even after you have met your deductible.
Co-payment: The fixed dollar amount that you must pay out-of-pocket prior to or at the time of service. This amount is pre-determined and varies by insurance provider. It is based on your plan type and the type of service being provided. MD Anderson is contractually obligated to collect co-payments from patients when a co-payment applies to the services being provided.
Deductible: The specified amount you must pay for health care expenses before insurance covers the remaining costs. It is your part of the contract with your insurance provider.
In network: The hospitals, doctors or other health care providers who have a contract with your insurance provider. The plan you have covers the costs of these health care providers. You may still have to pay a co-payment.
Insurance provider: A company you pay to help you cover your health care costs. This company has different plans and policies for its members. It makes payments to hospitals and health care providers on your behalf.
Out of network: Hospitals, physicians or other health care providers who do not have a contract with your insurance provider. Your insurance will not cover the costs, so you will be responsible for paying for the services provided to you.
Out-of-pocket costs: Health care costs, such as deductibles, co-payments and co-insurance, that are not covered by insurance. Out-of-pock costs do not include premium costs.
Out-of-pocket maximum: A yearly cap on the amount of money you are required to pay out-of-pocket for health care costs, but not including the premium cost.
Premium: The amount you pay, often monthly, for health insurance. The cost of the premium may be shared between employers and government purchasers and patients.
You can avoid getting unexpected bills by having authorization from your insurance company before a scan, test or treatment. That is why you may be asked to wait while your insurance company pre-authorizes a last-minute service. While we ask for feedback from your insurance company as soon as possible, their reviews may not be immediate.
We understand this can be frustrating and inconvenient, especially for those with a tight travel schedule. However, this important step can influence future coverage decisions by your insurance company. If you have questions about your coverage, speak to the Financial Clearance Center team at 1-844-294-4322.
The American Cancer Society explains health insurance laws.
Check out The Learning Center’s Recommended Resource on financial information.
Learn more about health care industry terms from the Kaiser Foundation.
Billing & Insurance FAQs
How can I pay my bill online?
- Log in to MyChart.
- Go to "My Billing."
- Select "Billing Account Summary."
- Click the "Pay" button on the right.
- Identify the amount or balance you wish to pay in the "Apply payment to" drop down menu.
- Complete and submit the payment information.
- Be careful when selecting the account balance you wish to pay in the drop down "Apply to payment" portion of the screen. The default selection allows you to pay the full balance on your account or the balance on a specific account.
citizens only need to enter a 5-digit U.S. ZIP code.
How can I send a payment by U.S. Mail?
You can pay with a personal or cashier's check from United States bank branches only. Mail the payment to:
MD Anderson Cancer Center
P.O. Box 4461
Houston, TX 77210-4461
*Please write your Medical Record Number (MRN) in the memo section of your check. If you have your payment coupon, please include it with your check.
How can I make a payment by phone?
Patient Business Services specialists can accept credit card payments
by phone at 713-792-2991, or toll-free at 1-800-527-2318.
We accept Visa, MasterCard, American Express and Discover cards.
How can I pay my bill in person at MD Anderson?
Payments (co-payments, deductibles and other balances due) can be
made during your clinic visit or at one of our three cashier
Address: 1515 Holcombe Blvd.
Location: Main Building, Floor 1, near the Cafe Corner, room P1.2980
Hours: Monday-Friday, 7 a.m.-6 p.m.
Address: 1515 Holcombe Blvd.
Location: Main Building, Floor 1, near the Aquarium, room R1.1880
Hours: Monday-Friday, 7:30 a.m.-5 p.m.
Mays Clinic (Ambulatory Clinic Building)
Address: 1220 Holcombe Blvd.
Location: Mays Clinic, Floor 2, near the Tree Sculpture, room ACB 2.2157
Hours: Monday-Friday, 7 a.m.-5 p.m.
Payments can be made by credit card (MasterCard, Visa, American Express, and Discover), cash, pre-printed personal checks or cashier checks.
How can I speak with a Patient Business Services Specialist concerning my bill?
Patient Business Services specialists are here to answer questions about your charges, payments, and balances.
You can contact us through MyChart, our online patient portal.
- Log in to MyChart
- Select "Messaging"
- Select "Ask a Question"
- Select "Customer Service Question"
- Use the drop-down menu to select "Billing Question"
- Type your message in the comment box.
You can also contact us by phone at 713-792-2991, or toll-free at 1-800-527-2318.
Specialists are available 8 a.m.-6 p.m. Monday through Friday (closed between noon and 1 p.m.).
Why hasn’t my insurance paid MD Anderson?
There are many reasons why claims processing between MD Anderson and your insurance carrier can take several weeks.
The most common reasons for delays are incomplete insurance coverage, inaccurate insurance coverage, change in coverage, or a denial from the insurance company.
The most important step to prevent any delays is to verify that all of your insurance coverage(s) are accurate in our system. Please verify your insurance and address information during your check-in for any appointment or procedure.
You can conveniently verify your insurance information online before your appointment:
- Log in to MyChart.
- Go to "Billing."
- Select the "Insurance Summary" section. You will see all the insurance we have on file for you. This section allows you to easily request changes, such as adding or removing coverage, directly in our system.
If preferred, call 713-792-2991, or toll-free at 1-800-527-2318. We can verify your coverage over the phone.
Why am I being billed for something I thought my insurance would cover?
The most common reasons for unanticipated balances are incomplete insurance coverage, inaccurate insurance coverage, change in coverage, or a denial from the insurance company.
The most important step to determine the reason for the balance or insurance denial is to verify that we have all your insurance coverage(s) accurate in our system. Please verify your insurance and address information during your check-in for any appointment or procedure.
You can also verify your insurance information before you arrive:
- Log in to MyChart
- Go to "Billing"
- Select the "Insurance Summary" section. You will see the insurance we currently have on file for you. This section allows you to easily request a change, such as adding or removing coverage, directly in our system.
How do I update my address information?
You can update your demographic/address information in MyChart.
- Log in to MyChart
- Go to the "Health" section
- Click on "Demographics"
- Be sure to click "accept changes" after you correct any demographic field.
Patient Business Services specialists can also update your information by phone at 713-792-2991, or toll-free at 1-800-527-2318.
How do I speak with the Financial Clearance Center if I am a self-pay patient?
If your insurance plan is not accepted at MD Anderson, or if you do not have insurance and are paying for your own care, you will be asked to pay a deposit for your first appointment at MD Anderson.
The deposit is only an estimate, but the actual charges may be higher or lower based on the actual services received. Estimates for continued treatment at MD Anderson are based on the customized treatment plan recommended by your MD Anderson physicians.
Self-pay patients may be eligible for a discount when their account status is in good standing.
We have dedicated financial specialists that can provide a cost estimate and accept your deposit payment by phone. We accept Visa, Master Card, American Express and Discover. Call 713-745-9998, or toll-free at 1-844-331-9998.
Payments made by cash, personal pre-printed checks, cashier checks and wire transfers can be arranged with a financial specialist. Financial specialists are available 8 a.m. – 5 p.m. Monday-Friday.
How can I access my monthly statements?
MD Anderson will file insurance claims for your hospital and physician visits. This process can take several weeks. You will receive a monthly statement only when you have a balance due. Statement options include paper and paperless statements.
You can view and pay your bill online. We encourage you to sign up for paperless statements through our MyChart portal:
- Log in to MyChart.
- Select "Billing."
- Click See Account Detail or See More Payments to see more information about a particular account. If you have an amount due on an account, click Pay to pay online.
Don’t hesitate to contact us by phone if you have any difficulties navigating MyChart. Call 713-792-2991, or toll-free at 1-800-527-2318.
Is financial assistance available?
If you cannot afford the cost of your care and you are a Texas resident, you may request a Patient Financial Assistance application from your patient access representative or financial specialists. Eligibility for patient financial assistance is based on the Federal Poverty Index.
Patient Financial Assistance Overview: Read more about the requirements for financial assistance.
Patient Financial Assistance Application: Print and complete this application and return it to your patient access representative.
Solicitud de Asistencia Financiera para Pacientes: Imprima y complete esta aplicación y devuélvala a su representante de acceso paciente.
Is MD Anderson still able to bill Medicare/Medicaid?
There have been no changes to our participation in Medicare and
Medicaid programs. Patient’s coverage should be the same as it was
prior to the publication of the recent news article. You can find our
full statement here.
CMS has the right and responsibility to survey any hospital participating in Medicare and Medicaid programs and we welcome their review as we are committed to continuing to provide a safe environment for all of our patients and families. Our organization is not on a pathway to termination from Medicare and Medicaid programs.