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Billing and Payment Options

As a patient of the Mohawk Valley Health System (MVHS) you may be experiencing some of the concerns and questions listed below:

  • I have insurance and I thought it would pay for most of my care. Why do I have such a large balance?
  • Why did I receive bills from multiple providers?
  • How am I going to pay for this and where will I get the money from?
  • I am on a fixed income or budget. How do I pay for this?
  • Will Medicaid help me pay the bill?
  • Does the hospital have any programs that would help me?
  • I don’t have insurance. I’ve never needed it before. Now what?

MVHS can provide you with several payment options and programs.

Payment Options

Mail or Phone

Payment can be made with cash, debit card, money order, check or credit card. Credit cards accepted are Discover, VISA, MasterCard and American Express.

Please return payment using the return envelope included with your bill. Be sure to include your account number on checks.

Payment by phone can be made by calling Faxton St. Luke’s Healthcare at 315-624-5170 or St. Elizabeth Medical Center at 315-801-8182 between the hours of 8 a.m. to 4 p.m., Monday through Friday.

We provide a “Courtesy Allowance” (self-pay discount) for prompt payment. The allowance is available to you if you pay within 10 business days. Certain types of procedures do not qualify for the Courtesy Allowance. They include dental surgery, plastic surgery, gastric bypass surgery, dental office visits, nutritional counseling and hearing aides. This is available for self-pay patients only.

Online Bill Pay

We offer online bill pay to our patients. Please visit our Online Bill Pay page to find the appropriate link for services you've received.

Online Bill Pay

If you have questions, please call Faxton St. Luke’s Healthcare at 315-624-5170 or St. Elizabeth Medical Center at 315-801-8182 between the hours of 8 a.m. to 4 p.m., Monday through Friday.

Interest Free Hospital Payment Plan and Bank Loan Program

A five month interest-free hospital payment plan is available.

We also offer an interest-free Bank Loan Program. The program provides a longer period of time to pay off the balance with lower monthly payments. To apply to the program it requires an agreement from the responsible party to pay regardless of credit history.

Applying for Medicaid

There are certified application counselors available at both FSLH (315-624-6330) or SEMC (315- 801-4914). An individual will assist with the process of applying for Medicaid and there is no charge to apply as a patient.

Financial Assistance Program

We also offer a Financial Assistance Program. The program is based on federal poverty guidelines and it may assist with any outstanding balances with MVHS. There are certain services that are exempt from this option. An application and proof of income are required from the responsible party. The patient is required to apply for Medicaid prior to approval.

Financial Counselors

If you are currently a patient in the hospital, we have on-site financial counselors that can assist you in setting up a payment plan. The counselor can discuss the options with you in person or over the phone.

Faxton Campus
315-624-5730 or 315-624-5731

St. Luke’s Campus
315-624-6310

St. Elizabeth’s Campus
315-801-4914

Questions Regarding Estimated Costs of Upcoming Services

If you are having a test or procedure performed at an MVHS facility and would like to know your estimated cost of services, please call our Finance Department at 315-801-8151.

Please be aware that our costs do not include services provided by non-MVHS providers, including but not limited to TeamHealth Emergency Department doctors, Centrex lab services, pathology services, anesthesiologists, reading and interpreting of medical imaging tests by radiologists, etc. Your doctor(s) may not participate in your health plan in the same way as MVHS. Please contact your doctor to be provided with their costs also. In addition, some specialty departments such as our Level II Nursery may be considered "out of network" by your insurance carrier. Please contact your insurance carrier prior to your test or procedure for more information. Visit our Important Information About Paying For Your Care page for more information about third-party billing, sometimes referred to as "Surprise Billing".

Insurance Credentialing Coordinator

If you are provider needing to contact our Credentialing Coordinator please contact:

Cathy Eberley
​315-801-3282
ceberley@mvhealthsystem.org