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Payment Plans

Interest-free payment options for St. John's Health patients

Even with insurance, unexpected health care needs can become financial burdens for individuals and families. St. John’s Health has two payment plan options that make paying over time easy and affordable:

  • Short-term in-house
  • Extended Payments

Our in-house payment plan offers up to 24 month terms with 0% interest.

Enroll for an in-house plan

Extended Payment Plan

St. John’s Health can work with individuals and families to create interest-free payment plans that meet your needs in paying out-of-pocket medical costs. Together with our billing partners at Commerce Bank, St. John’s Health offers an extended payment arrangement through the Health Services Financing (HSF®) program that allows for an easy and affordable way to pay your medical bills over time.

Program Benefits:

  • Patients and families are eligible for HSF® regardless of whether they have insurance, and without requiring a credit check
  • HSF® requires only a verbal commitment and has no set-up fees, charges or penalties for early payoffs, and patients can consolidate charges to one account with one monthly payment
  • Enrollment can occur in person or over the phone at any point in the revenue cycle, whether during scheduling, discharge, billing and follow-up or even by our revenue cycle partners
  • Affordable long-term payment option
  • 24, 36, 48- or 60-months terms available
  • Monthly payment at 0% APR
  • No credit checks
  • No set up fee
  • No paperwork to enroll
  • Simple terms

Self-enroll for a HSF account today

To discuss your options, contact Patient Financial Services at 307-739-7646 or email