# Missouri Baptist Medical Center

Hospital in Saint Louis, MO. Verified from the hospital's own policy.

Missouri Baptist Medical Center likely gives free care to households with a yearly income up to $31,920 for 1 person, $43,280 for 2, $54,640 for 3, $66,000 for 4, $77,360 for 5 or $88,720 for 6. It likely gives a discount to households with a yearly income up to $47,880 for 1 person, $64,920 for 2, $81,960 for 3, $99,000 for 4, $116,040 for 5 or $133,080 for 6.

The hospital makes the final decision.

| Household size | Free care if yearly income is up to | Discount if yearly income is up to |
|---|---|---|
| 1 | $31,920 | $47,880 |
| 2 | $43,280 | $64,920 |
| 3 | $54,640 | $81,960 |
| 4 | $66,000 | $99,000 |
| 5 | $77,360 | $116,040 |
| 6 | $88,720 | $133,080 |

Dollar amounts use the 2026 federal poverty guidelines.

## Discount steps

- 0% to 200% of poverty level, patient pays nothing (100% discount)
- 201% to 300% of poverty level, patient pays 20% of charges (80% discount)

## How to apply

- Call 314-362-8400 and ask for financial assistance.
- [Application form](https://www.bjc.org/sites/bjc/files/2026-05/3259250-Financial-Assistance-Application-v2.pdf)
- [BJC Health Financial Assistance Policy (with Income and Discount Schedule effective Jan. 15, 2026)](https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf)
- The policy gives 240 days to apply. Ask the billing office which date the count starts from.
- Bring proof of income (one of: most recent tax return, W-2 and 1099 forms, two most recent pay stubs, written employer statement if paid in cash, or IRS Form 4506 proof of non-filing), insurance information.
- Residency. Resident of Missouri, Illinois or Kansas (anyone treated at a National Health Service Corps site, whatever their state)
- Very large bills. After a catastrophic medical event, what the patient pays in 12 months is capped at 20% of yearly family income
- Languages. English, Arabic, Bosnian, Chinese (Simplified), Chinese (Traditional), Dari, Farsi, French, Haitian Creole, Hindi, Korean, Nepali, Pashto, Portuguese, Romanian, Russian, Somali, Spanish, Swahili, Vietnamese, American Sign Language (video)

## If you have insurance

If you have insurance, ask whether this policy helps with deductibles and copays.
Keep your insurance. Financial assistance covers bills from this one place only.

## What is covered

Covered. Emergency and medically necessary care at BJC hospitals. Uninsured patients get 40% off billed charges automatically. Patients enrolled in Medicaid in the last six months automatically get help with services Medicaid does not cover.

Not covered. Elective care such as cosmetic surgery is not covered. The part of a bill paid by insurance or a government program is not covered. Some doctors who work at BJC hospitals are not part of the policy. BJC keeps a provider list that shows who is included.

## Notes

Families with income over $100,000 a year cannot get BJC assistance, whatever their size. For larger families this cap is lower than 200% or 300% of the poverty level. After a catastrophic medical event, help may still be available above these limits. Approval lasts 12 months. Patients on Medicaid in the last six months may get automatic help. Interest-free payment plans are offered. The policy only says help does not cover the part insurance already paid. Insured patients can call 314-362-8400 or 855-362-8400 to ask if their share of the bill may qualify. Mail applications to P.O. Box 790024, St. Louis, MO 63179-0024, email patacct@bjc.org, or fax 314-747-6977.

## Sources

- Free care level https://www.bjc.org/sites/bjc/files/2026-02/FAS-Tables-02-26.pdf
  > Patient’s Household Income 200% FPL or less 201–300% FPL Patient’s Discount 100% 80%
- Discount level https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf
  > To be eligible for a discount, your family income must not be more than three times the Federal Poverty Level (300 percent).
- Income cap https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf
  > Patients with family income over $100,000 a year are not eligible for BJC financial assistance, regardless of family size.
- Residency https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf
  > Financial assistance is available to patients who live in Kansas, Missouri, and Illinois, and all patients receiving care at NHSC sites
- Very large bills https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf
  > patient payment responsibilities in a 12-month period will not be more than 20 percent of annual family income.
- Deadline https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf
  > You may apply for financial assistance at any time—before, during or after your care, up to 240 days after your initial bill.
- What is not covered https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf
  > It does not apply to elective procedures such as cosmetic surgery.
- Uninsured discount https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf
  > Patients without insurance will automatically receive a 40 percent discount on the billed charges and will be considered for assistance.
- Documents https://www.bjc.org/sites/bjc/files/2026-05/3259250-Financial-Assistance-Application-v2.pdf
  > Attach any one of the following documents as Proof of Income
- Financial counseling phone https://www.bjc.org/sites/bjc/files/2026-02/3259250-Financial-Assistance-Policy.pdf
  > BJC HealthCare at 314-362-8400 or 855-362-8400
- Covered facility https://www.bjc.org/locations-list?f%5B0%5D=location%3A11
  > Missouri Baptist Medical Center: 3015 N. Ballas Road St. Louis, MO 63131

Last checked 2026-11-11.

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