How to Pay Your MediCredit Inc Bill: Phone Numbers and Payment Options Guide

Are you staring at a MediCredit bill and wondering how to pay it? You’re not alone. Medical bills can be confusing and sometimes stressful to deal with. I’ve put together this complete guide to help you understand your payment options and get that bill taken care of with minimal hassle.

MediCredit Inc is a revenue cycle management company that handles medical billing for thousands of healthcare providers across the US. Whether you need to make a payment by phone online or explore payment plans, I’ve got you covered.

Who is MediCredit Inc?

Before diving into payment methods, let’s clarify who MediCredit actually is:

MediCredit Inc (also known as MediCredit Corp) is a debt collection agency located in Saint Louis, Missouri. They specialize in medical billing and revenue cycle management with:

• Over 40 years of experience in the industry
• Partnerships with 2000+ healthcare providers nationwide
• Processing of 50+ million healthcare transactions annually

You might have received a bill from them if you’ve recently had medical treatment at a facility that uses their services, Sometimes people find MediCredit listed on their credit reports as a collections account if they have past-due medical bills

MediCredit Inc Phone Numbers for Bill Pay

Need to pay your bill by phone? Here are the important numbers to know

Main Customer Service/Bill Pay Phone Number:

• 800-388-7977

Alternative Phone Numbers:

• 800-888-2238 (For payment processing and billing questions)
• 800-823-2318 (General inquiries)

The phone system accepts payments 24/7 through their automated system. If you need to speak with a live representative about your bill, agents are available Monday through Friday from 8am to 8pm EST.

MediCredit Inc Online Bill Pay Options

Many people prefer to pay their bills online for convenience. MediCredit offers several digital payment options:

Option 1: Pay Through the Official Portal

1. Visit the MediCredit payment portal at: https://mcc.loyale.us/MEDICREDIT/Patient/
2. You can either:
   • Log in with your existing username and password
   • Register for a new account
   • Use the “Pay as guest” feature for a one-time payment

Option 2: Pay Through Doxo

MediCredit bills can also be paid through doxo.com, which is a third-party bill payment service. While this is an option, it’s usually best to pay directly through MediCredit when possible.

When paying online, you can use:

• Credit cards (Visa, MasterCard, Discover, and American Express)
• Debit cards
• HSA or FSA accounts (for qualified medical expenses)
• Bank accounts (usually the most fee-friendly option)

Step-by-Step Guide to Paying Your MediCredit Bill Online

Here’s exactly how to pay your bill through their official portal:

1. Go to the website – Navigate to medicreditcorp.com or directly to their payment portal at https://mcc.loyale.us/MEDICREDIT/Patient/

2. Choose your login method:

   • If you have an account, enter your username and password
   • If it’s your first time, click “Create an account”
   • For a quick one-time payment, select “Pay as guest”

3. Select payment method – Choose credit card, debit card, or bank account

4. Enter payment details – Input your card number, expiration date, CVV code, and billing address

5. Specify payment amount – Decide whether to pay in full or make a partial payment

6. Review and submit – Double-check all details and click the payment button

7. Save your receipt – Make sure to save or print the confirmation for your records

Using the “Pay as Guest” Option

If you don’t want to create an account, the guest payment option is super convenient:

1. Select “Pay as guest” on the payment portal
2. Enter basic contact info (name, email, phone)
3. Provide your account/statement number from your bill
4. Input payment information
5. Submit your payment

This is perfect if you just need to make a one-time payment without creating another online account to remember.

Setting Up Payment Plans with MediCredit

If your medical bill is large and you can’t pay it all at once, don’t worry! MediCredit offers payment plan options:

1. Call their customer service at 800-388-7977
2. Explain your financial situation
3. Request a payment plan that fits your budget
4. Their representatives will work with you to set up monthly payments

Payment plans can be extremely helpful for managing larger medical bills without straining your finances. The reps I’ve talked to were actually pretty understanding about working with my budget.

Frequently Asked Questions About MediCredit Bill Pay

What information do I need to make a payment?

You’ll need:

• Your account number or statement ID (found on your bill)
• Your payment method details (card number or bank information)
• Your contact information

Are there fees for making payments?

When paying directly through MediCredit:

• Online payments through their portal are typically free
• Phone payments with their representatives are free
• Some payment methods may have small convenience fees

If using third-party services like doxo, fees may vary depending on your payment method. Bank account payments are usually free, while credit card payments might incur a small fee.

What if I think there’s a mistake on my bill?

If you believe there’s an error on your bill:

1. Call MediCredit at 800-388-7977
2. Explain the discrepancy
3. They may need to investigate or contact your healthcare provider
4. Don’t pay disputed charges until resolved

How do I know if my payment went through?

After making a payment:

• Online payments will generate an immediate confirmation screen and email
• Phone payments will provide a confirmation number
• Save these confirmations in case there are any questions later

Where is MediCredit located?

MediCredit has two main addresses:

• 3 Cityplace Dr Ste 690, Saint Louis, MO 63141 (Headquarters)
• 111 Corporate Office Dr Ste 200, Earth City, MO 63045-1506 (Operations)

Tips for Dealing with MediCredit Bills

Based on my experience, here are some helpful tips:

1. Don’t ignore the bills – Medical bills don’t typically disappear and can affect your credit if left unpaid

2. Keep detailed records – Save all confirmation numbers, bills, and correspondence

3. Ask questions – If something isn’t clear on your bill, call and ask for clarification

4. Check insurance coverage – Sometimes bills are sent before insurance has fully processed claims

5. Negotiate when possible – In some cases, you may be able to negotiate a reduced settlement amount, especially for older accounts

The Importance of Timely Payments

Paying your MediCredit bill on time is important for several reasons:

• Prevents negative impacts on your credit score
• Avoids additional fees and interest charges
• Helps maintain your financial health
• Prevents the account from being sent to further collections

If you’re having trouble paying, it’s always better to contact them proactively rather than avoiding the situation. Most billing departments would rather work with you on a solution than send your account to more aggressive collection agencies.

What to Do if MediCredit Appears on Your Credit Report

If you see MediCredit on your credit report and don’t recognize the debt:

1. Request verification of the debt by contacting MediCredit
2. Check if the debt belongs to you
3. If it’s not yours or contains errors, dispute it with the credit bureaus
4. Consider working with credit repair services if needed

Final Thoughts

Dealing with medical bills isn’t anyone’s idea of fun, but knowing your options makes it much less stressful. MediCredit Inc provides several convenient ways to pay your bills, whether you prefer doing things online or over the phone.

Remember, if you’re facing financial hardship, don’t hesitate to reach out to their customer service. They can often work with you on payment arrangements that fit your situation.

Have you had experience paying MediCredit bills? Was the process smooth or did you encounter challenges? I’d love to hear your experiences in the comments below!

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