Are you puzzled about how to pay your University of Minnesota Physicians bill? You’re definitely not alone! I’ve been through the confusing maze of healthcare billing myself and I want to share everything I’ve learned about UMN Physicians bill pay options to make your life easier.
Medical bills can be stressful, but paying them doesn’t have to be. The University of Minnesota Physicians (M Physicians) offers several convenient payment methods that can save you time and headaches. Let’s dive into all the ways you can handle your UMN medical bills without breaking a sweat!
Quick Overview: UMN Physicians Bill Pay Options
Before we get into the details here’s a quick look at the available payment methods
- Online Bill Pay – Pay through the secure payment portal
- Text to Pay – Receive and pay bills via text message
- By Phone – Call the billing office directly
- By Mail – Send a check to the billing address
- In Person – Pay at your clinic during your visit
- CareCredit – Financing option for dental services
Online Bill Pay: The Most Convenient Option
The easiest way to pay your UMN Physicians bill is through their online payment portal. This service is available 24/7, which means you can handle your medical expenses whenever it’s convenient for you – even at 3 AM in your pajamas (we’ve all been there!).
To access the online bill pay service, visit https //ump.ci.healthpay24.cloud/
For logging in, you’ll need three things:
- Your account number (found on your billing statement)
- Patient last name
- Patient date of birth (MM/DD/YYYY)
The online portal is super user-friendly and allows you to:
- View your current balance
- Review billing history
- Make full or partial payments
- Set up payment plans (if eligible)
I personally love using the online system because it gives me a digital record of all my payments, which comes in handy during tax season!
Text to Pay: The Modern Way to Handle Bills
In 2025, M Physicians has implemented a Text to Pay option that lets patients pay through simple text messages. This is perfect if you’re always on the go or prefer managing things from your smartphone.
The Text to Pay service is available in both English and Spanish, making it accessible to more patients. If you’re interested in this option, contact the M Physicians Billing Office at 763-782-6507 for more information about setting it up.
Phone Payments: Talk to a Real Person
Sometimes you just want to speak with a human, especially if you have questions about your bill. For phone payments and billing questions, call:
M Physicians Billing: 763-782-6507 or 833-914-1046
The billing office is available Monday through Friday from 8:30 a.m. to 4 p.m. The staff is super helpful and can assist with:
- Making payments
- Setting up payment plans
- Explaining charges
- Answering insurance questions
I’ve called them a few times when I was confused about certain charges, and they’ve always been patient and thorough with their explanations.
Mail Payments: The Traditional Route
If you prefer the traditional method of paying by check, you can mail your payment to:
University of Minnesota Physicians
720 Washington Avenue SE
Suite 200
Minneapolis, MN 55414
When mailing a payment, always include:
- Your account number
- Patient name
- A phone number where you can be reached
For dental services specifically, checks should be sent to:
University of Minnesota School of Dentistry
7-521 Moos Tower
515 Delaware St. SE
Minneapolis, MN 55455
Understanding Different Billing Systems: UMN Physicians vs. Dental Clinics
It’s important to note that the University of Minnesota Physicians and the University of Minnesota Dental Clinics have separate billing systems. This means if you receive care from both, you’ll need to pay them separately.
For UMN Physicians:
- Call: 763-782-6507 or 833-914-1046
- Pay online: https://ump.ci.healthpay24.cloud/
- Hours: Monday-Friday, 8:30 a.m. – 4 p.m.
For UMN Dental Clinics:
- Call: 612-624-6110
- Pay online: Through the link on their website
- Additional payment option: CareCredit
CareCredit: Financing Option for Dental Services
The UMN School of Dentistry accepts CareCredit, which is a healthcare credit card designed specifically for medical and dental expenses. This can be especially helpful for more extensive dental work that might be costly.
CareCredit offers:
- Interest-free payment periods
- Installment plans
- Flexible financing options
You can apply for CareCredit directly on the UMN Dental Clinics website to see if you pre-qualify. CareCredit transactions must be processed in person at the clinic unless payment is made through the CareCredit online portal.
Special Payment Arrangements for Dental Procedures
For dental procedures like gold and fixed prosthodontics or removable prosthodontics, the UMN Dental Clinics require specific payment schedules:
Gold and fixed prosthodontics:
- One-third payment before treatment begins
- One-third payment halfway through treatment
- Final balance prior to completion
Removable prosthodontics (dentures):
- One-third payment before treatment begins
- One-third at the teeth selection appointment
- Final balance at the time of denture insertion
Insurance and UMN Medical Services
Both UMN Physicians and Dental Clinics accept most private insurance plans, as well as Medical Assistance and Minnesota Care.
However, it’s important to know that UMN Physicians is often an out-of-network provider for many insurance companies. Even so, your insurance may still provide coverage. The billing team can help submit claims on your behalf.
Always provide current insurance information each time your plan is renewed to ensure proper billing.
Financial Assistance: Community Care Program
If you’re experiencing difficulties paying for medically necessary care, you might qualify for financial assistance through the Community Care program offered by UMN Physicians.
Eligibility Requirements:
- Annual gross income at or below 275% of Federal Poverty Guidelines
- Assets do not exceed $500,000 (including checking, savings, money market accounts, CDs, mutual funds, and retirement accounts)
- Must apply for Medical Assistance programs first
How to Apply:
- Download the application from the UMN Physicians website (available in English and Spanish)
- Complete the form entirely
- Sign and send to:
University of Minnesota Physicians
720 Washington Avenue SE
Suite 200
Minneapolis, MN 55414
The Community Care program doesn’t apply to:
- Elective or cosmetic procedures
- Services billed by Fairview Health Services
- UMN Physicians Dental Clinic
- M Health Fairview Center for Sexual Health
Financial Counseling and Cost Estimates
UMN Physicians offers financial counseling to help you understand potential costs before receiving care. This is super helpful for planning your healthcare budget!
For financial counseling or cost estimates, call:
- 763-782-6505 or toll-free 833-495-2616
These counselors can:
- Provide cost estimates before your appointment
- Discuss payment options
- Help with insurance questions
- Explain financing possibilities
I wish I’d known about this service earlier! It would’ve saved me from some bill shock after a procedure last year.
Understanding Your Rights as a Patient
Under Minnesota law and federal regulations, you have certain rights regarding medical billing:
- Right to a “Good Faith Estimate” if you’re uninsured or self-pay
- Protections against surprise medical bills
- Access to price transparency information
UMN Physicians provides a price transparency document (UMP Price Transparency 2025) that lists common primary care clinic charges and average payments received from government and commercial insurance.
Tips for Managing Your UMN Medical Bills
After dealing with my share of UMN medical bills, here are some tips I’ve learned:
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Keep all billing statements – They contain your account number which you’ll need for payments and inquiries.
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Act quickly on bills – Address them promptly to avoid late fees or collections.
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Ask questions about charges – If something seems incorrect, call the billing office.
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Check insurance coverage beforehand – Verify what your insurance will cover before procedures.
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Consider payment plans – If you can’t pay the full amount, ask about payment plan options.
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Keep payment receipts – Whether paying online, by phone, or by mail, save your confirmation.
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Update your contact information – Ensure UMN Physicians has your current address, phone, and email.
Frequently Asked Questions About UMN Physicians Bill Pay
Q: Can I pay my UMN Physicians bill and my Dental Clinic bill in the same place?
A: No, these are separate billing systems. UMN Physicians bills must be paid through their system, while Dental Clinic bills have their own payment process.
Q: What if I can’t afford my medical bill?
A: Contact the billing office to discuss payment plans or apply for the Community Care program if you meet the eligibility requirements.
Q: How can I get an itemized statement of my charges?
A: Call the billing office and request an itemized statement. This will show all individual charges for services provided.
Q: What if my insurance hasn’t paid their portion yet?
A: You’re typically responsible only for your portion (copay, deductible, coinsurance). If you receive a bill for the full amount, contact both your insurance company and the billing office.
Q: How long do I have to pay my bill?
A: Payment is generally expected within 30 days of receiving your statement, but payment plans can be arranged if needed.
Contact Information Summary
UMN Physicians Billing:
- Phone: 763-782-6507 or 833-914-1046
- Hours: Monday-Friday, 8:30 a.m. – 4 p.m.
- Online: https://ump.ci.healthpay24.cloud/
- Address: 720 Washington Avenue SE, Suite 200, Minneapolis, MN 55414
UMN Dental Clinics Billing:
- Phone: 612-624-6110
- Online: Access through the Dental Clinics website
- Address: 7-521 Moos Tower, 515 Delaware St. SE, Minneapolis, MN 55455
Financial Counseling:
- Phone: 763-782-6505 or toll-free 833-495-2616
Final Thoughts
Managing medical bills isn’t anyone’s idea of fun, but understanding your payment options can make the process much less stressful. UMN Physicians and Dental Clinics have worked hard to provide multiple convenient ways to handle your healthcare expenses.
Whether you prefer the convenience of online payments, the simplicity of text-to-pay, or the personal touch of speaking with a billing specialist, there’s an option that will work for your lifestyle and preferences.
Pay Bill Safely and Securely Online
Pay your UNM Health System bills safely and securely online. You can access our quick, convenient payment system 24/7. To make a payment, click on the that matches your bill.
Financial Help is Available
UNM Health offers programs and services to cover the cost of care.
If you don’t see an that looks like your bill, or to pay by phone or mail, please call the phone number on your statement.
