How to Use St. Joseph’s Online Bill Pay: A Step-by-Step Guide

Having to pay medical bills can be confusing and stressful Thankfully, St Joseph’s Health makes it easy by offering online bill pay. This allows you to view statements, make payments, set up payment plans, and more – all digitally.

In this comprehensive guide, I’ll walk you through everything you need to know about using St. Joseph’s convenient online bill pay system.

Overview of St. Joseph’s Online Bill Pay

St. Joseph’s Health has hospitals and medical centers located in New York, New Jersey, California, and other states. Patients of any St. Joseph’s location can access online bill pay to manage their accounts.

To get started, you first create an account on their patient portal called MyChart. From there, you can view billing statements, pay bills, set up recurring payments, update insurance info, and handle other tasks.

Payments can be made via credit card, debit card, HSA card, or bank account. You’ll receive email receipts for every transaction.

Online bill pay lets you avoid mailing checks or visiting the hospital billing office Everything can be handled digitally for convenience

Benefits of Using Online Bill Pay

Here are some of the major benefits of using St. Joseph’s online bill pay system:

• Convenience Pay bills 24/7 from anywhere without writing checks or going to the billing office,

• Payment History: All of your billing statements and payment receipts are stored online in one place for easy access.

• Automatic Payments: Set up recurring payments from your bank account or credit card so bills get paid on time without you having to remember.

• Manage Insurance: Update your insurance information and assign benefits to claims.

• Email Notifications: Get reminders when bills are ready and receipts for every payment.

• Payment Plans: Set up customized installment plans to pay large balances over time.

• No Late Fees: Pay on time to avoid late payment penalties.

Step 1: Sign Up for a MyChart Account

In order to access St. Joseph’s online bill pay, you first need to create an account on their MyChart patient portal.

Go to the MyChart website and click on “Sign Up Now”. This will walk you through creating a username and password.

You’ll need to provide personal info like your name, date of birth, and medical record number from your St. Joseph’s visits. This links your account to your billing records.

Once signed up, you can log into your MyChart account anytime to access online bill pay.

Step 2: Locate Your Bills

After logging into MyChart, click on the “Billing” tab. This will show you a list of all your outstanding St. Joseph’s bills.

Select a bill to open the statement. Here you can see the:

• Date(s) of service
• Charges for each service rendered
• Insurance payments/adjustments
• Amount you owe

Review the billing statements closely to understand what you are being charged for. Multiple bills may be generated for the same visit.

Step 3: Choose Payment Method

When ready to pay, click on the “Pay Now” link for that bill. This will open the payment window.

You can choose between:

• Credit/Debit Card – Visa, Mastercard, Amex, Discover
• Bank Account – Enter routing and account numbers
• HSA Account – If you have a health savings account

Enter all the necessary account details. Make sure there are no typos in credit card or bank account numbers.

Step 4: Specify Payment Amount

Next, you’ll select how much to pay on that specific bill. There are a few options:

• Minimum Due – The minimum payment required

• Statement Balance – The full total due on that statement

• Other amount – Manually enter a custom amount

Choose the option that works best for you. The minimum due will leave a remaining balance that you still owe.

Step 5: Confirm and Submit

Double check that the payment details are all correct on the confirmation page. If everything looks good, click “Submit Payment” to complete the transaction.

The payment will typically process in 1-2 business days. You’ll receive an email confirmation with details and a receipt number.

And that’s it – you’ve successfully paid your St. Joseph’s medical bill online! The full payment will then reflect on your next billing statement.

Tips for Managing Your Medical Bills

Here are some additional pointers to help you stay on top of your St. Joseph’s medical bills and payments:

• Log into MyChart regularly to view new bills as soon as they are generated. Don’t let them pile up unnoticed and unpaid.

• Whenever possible, pay bills in full each month to avoid carrying a balance and accruing interest charges.

• If you can’t pay in full, call the billing office to set up an affordable monthly payment plan.

• Sign up for automatic payments to ensure bills get paid on time every month.

• Update your insurance info in MyChart if you switch plans or policies. This ensures correct coverage.

• Contact billing if you spot any errors or have questions about specific charges.

• Consider getting financial assistance if eligible based on income level. The hospital offers charity care programs.

• Negotiate bills from out-of-network providers that fall outside your coverage. Ask about cash discount rates.

Managing medical bills can be a headache. St. Joseph’s online bill pay through MyChart makes it fast and easy. Follow this step-by-step guide to pay your bills digitally and take control of your healthcare payments.