Medicredit Inc: How to Easily Pay Your Medical Bills by Phone & Online in 2025

Are you staring at a medical bill with “Medicredit Inc” on it and wondering how to pay it? Maybe you’re trying to figure out if that collection notice is legit? Well, I’ve got you covered with everything you need to know about Medicredit Inc’s phone numbers, bill pay options, and more.

Medical bills are frustrating enough without having to play detective just to figure out how to pay them Trust me, I’ve been there!

What is Medicredit Inc?

Before we get to the payment methods, let’s understand who we’re dealing with.

Medicredit Inc (also called Medicredit Corp) is a legitimate debt collection agency based in Earth City, Missouri. They’ve been in business for over 40 years and focus on collecting medical debts for hospitals, health systems, and physician groups across the United States.

Here are some quick facts about them

• They process over 50 million healthcare transactions yearly
• They service more than 2000 healthcare providers nationwide
• They’re located at 111 Corporate Office Dr Ste 200, Earth City, MO 63045-1506
• Their main goal is to make paying medical bills simpler for patients

If you see Medicredit on your credit report, it’s probably because you have an unpaid medical bill that was sent to collections. Don’t panic! This is pretty common, and there are ways to handle it.

Medicredit Inc Phone Numbers for Bill Pay

Let’s cut to the chase – here are the important phone numbers you need for Medicredit:

Main Customer Service & Bill Pay 800-888-2238

• Available Monday-Friday, 8am to 8pm EST
• Automated payments available 24/7

Alternative Contact Number: 800-823-2318

• This is their general business line

When I called them last month about a bill from my urgent care visit, I was able to get through to a representative within about 5 minutes. They were actually pretty helpful and didn’t give me the typical collection agency attitude.

How to Pay Your Medicredit Bill by Phone

Paying your bill over the phone is super easy:

1. Call 800-888-2238
2. Have your statement or account number ready
3. Tell the representative you want to make a payment
4. Provide your credit/debit card information
5. Request a confirmation number or email receipt

The whole process takes about 5 minutes, and they accept all major credit cards including Visa, MasterCard, Discover, and American Express.

Pro tip: If you’re not sure about the amount or want to dispute something, ask for an itemized statement before making any payment. You have the right to see exactly what you’re being charged for!

Online Bill Pay Options for Medicredit Inc

If you prefer to pay online (which is what I usually do), you have several options:

Option 1: Medicredit’s Online Portal

1. Visit their payment portal at https://mcc.loyale.us/MEDICREDIT/Patient/
2. You’ll see options to:
   • Login with existing account
   • Create a new account
   • Pay as a guest

The online portal is pretty straightforward and works well on both computers and phones. I’ve used it a couple times and haven’t had any issues.

Option 2: Pay as Guest (No Account Needed)

If you don’t wanna create an account, you can:

1. Go to their “Pay As Guest” option on the portal
2. Enter your basic contact information
3. Input your payment card details
4. Specify the amount you want to pay
5. Submit and get a confirmation

This is great for one-time payments when you just want to take care of the bill and be done with it.

Benefits of Using Medicredit’s Payment Systems

There are actually some advantages to using their official payment methods:

• No fees – They don’t charge extra processing fees for any payment method
• Payment confirmation – You’ll get receipts for your records
• Payment plans – They can set up flexible monthly payment schedules for large balances
• Account history – If you create an account, you can see your payment history
• Security – Their payment systems are encrypted and secure

When I had a $3,400 emergency room bill last year (thanks, appendix!), they were able to set me up on a 12-month payment plan with no interest. That was a huge relief compared to trying to pay it all at once.

What To Do If You Have Questions About Your Bill

If you’re confused about charges or think there might be an error:

1. Call 800-888-2238 and speak to a representative
2. Ask for clarification on specific charges you don’t understand
3. Request an itemized statement if you don’t already have one
4. If you believe there’s an error, formally dispute the charge

I always recommend getting everything in writing when dealing with billing issues. Follow up phone calls with an email summarizing what was discussed or request written confirmation of any agreements made.

Dealing with Medicredit as a Collection Agency

If Medicredit is contacting you as a collection agency for an unpaid medical bill, here’s what you should know:

1. Verify the debt is yours – Ask for validation of the debt in writing
2. Check the statute of limitations – Some older debts may not be legally collectible
3. Know your rights – Familiarize yourself with the Fair Debt Collection Practices Act
4. Consider negotiation – They often have flexibility to accept less than the full amount
5. Get payment agreements in writing – Don’t rely on verbal agreements

When my friend Jason had a $1,200 bill sent to Medicredit, he was able to negotiate it down to $800 by offering a lump sum payment. It’s definitely worth trying if you’re in a position to make a single payment.

Tips for Handling Medical Bills Before They Go to Medicredit

The best approach is to deal with medical bills before they ever reach a collection agency like Medicredit. Here’s how:

• Don’t ignore bills – Even if you can’t pay, call the original provider
• Ask about financial assistance – Many hospitals have programs to help
• Request an itemized statement – Check for errors or duplicate charges
• Negotiate directly – Providers are often willing to reduce bills or set up payment plans
• Check your insurance coverage – Make sure everything that should be covered was processed correctly

I once found a $600 error on a hospital bill when I requested an itemized statement. It was for medication I never received! Always check those details.

Frequently Asked Questions About Medicredit Bill Pay

Is Medicredit Inc legitimate?

Yes, they’re a real medical debt collection agency based in Missouri that works with thousands of healthcare providers.

Will paying Medicredit improve my credit score?

It can, especially if you get them to agree to a “pay for delete” where they remove the collection from your credit report after payment. This isn’t guaranteed, but worth asking about.

Can I pay Medicredit with a check?

Yes, you can mail a check payment to:

Medicredit, Inc.PO Box 1629Maryland Heights, MO 63043-0629

Just make sure to include your account number on the check!

Does Medicredit report to credit bureaus?

Yes, they do report to the major credit bureaus, which is why it’s important to resolve any bills with them.

Can I dispute a Medicredit collection?

Absolutely. Call their customer service at 800-888-2238 to start the dispute process. You may also need to dispute directly with credit bureaus.

My Personal Experience with Medicredit

Last year, I had an unexpected surgery and ended up with several bills that I couldn’t pay all at once. One of them went to Medicredit after about 90 days.

I was initially worried when I got the collection notice, but after calling them, I was able to:

1. Verify the debt was actually mine
2. Set up a 6-month payment plan
3. Get them to agree not to report to credit bureaus as long as I maintained the payment plan

The representatives were surprisingly helpful and not at all like the stereotypical aggressive debt collectors. They worked with me to find a solution I could afford.

Final Thoughts on Medicredit Inc Bill Pay

Dealing with medical bills is never fun, but Medicredit does offer several convenient ways to pay:

• By phone at 800-888-2238
• Online at their payment portal
• As a guest without creating an account
• By mail with a check

The most important thing is to take action rather than ignoring the bills. Even if you can’t pay in full, contact them to work out a solution. Most of the time, they’re willing to work with you on a payment plan or settlement.

Have you had experiences with Medicredit that you’d like to share? I’m always curious to hear how others have navigated these tricky financial waters.

Remember – medical bills might be confusing and frustrating, but there are almost always options available to help manage them. Don’t be afraid to ask questions and advocate for yourself!