Indiana University Health's payment methods and where to send payments
Indiana University Health operates hospitals and clinics across Indiana. When you receive a bill from IU Health, you can pay online through their patient portal, by phone, by mail, or in person at a hospital billing office. The fastest route is usually the online portal, which processes payments the same day you submit them.
To pay online, you'll need to set up an account on the IU Health patient portal at iuhealth.org. Once logged in, you can view your bill, make a one-time payment, or set up a payment plan. If you don't have a portal account yet, you can create one using your date of birth, Social Security number, and the account number from your bill.
If you prefer not to use the portal, you can call IU Health's billing department at the number on your bill statement. A representative can process a payment over the phone using a debit card, credit card, or bank account information. Mail payments should be sent to the address printed on your bill — do not send payments to the hospital itself, as they go to a separate billing office.
Key Takeaways
- The IU Health patient portal at iuhealth.org lets you pay online and see your bill balance without calling.
- Phone payments are processed the same business day if you call before the cutoff time listed on your bill.
- Mailed payments take 7 to 10 business days to reach the billing office, so send them early if your due date is near.
- If you cannot pay the full amount, you can request a payment plan through the portal or by calling the billing department.
- Late payments may result in collection activity, so contact IU Health before your due date if you need to arrange a plan.
Setting up your IU Health patient portal account
The patient portal is the easiest way to manage your bills because you can log in anytime without waiting for business hours. To create an account, go to iuhealth.org and select "Patient Portal Login" or "Sign Up." You'll be asked for your date of birth, the last four digits of your Social Security number, and your account number from your bill.
Once your account is active, you can view all bills associated with your name, see payment history, and download statements. The portal also shows which bills are past due and which are coming due. If you have multiple family members with IU Health bills, each person needs their own portal account.
If you forget your password or have trouble logging in, select "Forgot Password" on the login page. IU Health will send a reset link to the email address you provided when you created your account. If you never received a confirmation email, check your spam folder or contact IU Health's patient services line for help.
Paying by phone or automatic bank draft
To pay by phone, call the number on your bill statement. Have your bill account number and payment method ready. IU Health accepts Visa, Mastercard, American Express, Discover, and debit cards. Payments made before 5 p.m. Eastern Time on a business day are usually processed the same day.
If you want to set up automatic payments, you can arrange this through the patient portal or by phone. Automatic payments deduct money from your bank account on a date you choose each month. This is useful if you have a payment plan and want to avoid late payments. You can change or cancel automatic payments anytime through the portal.
When you pay by phone, ask the representative for a confirmation number and the date the payment will post to your account. Write this down in case you need to dispute the charge later or verify that the payment went through.
Mailing a check or money order
The mailing address for IU Health payments is printed on your bill statement. Always use the address shown on your bill, not the hospital's main address, because billing payments go to a separate processing center. Include your account number on the check or money order so the payment is credited to the correct bill.
Mail payments take 7 to 10 business days to arrive and be processed. If your due date is within two weeks, paying by mail is risky because the payment may not arrive in time. Use certified mail or a tracked service if you're mailing close to the due date, so you have proof of when you sent it.
Do not mail cash. If you must pay in person, visit the billing office at any IU Health hospital location during business hours. Call ahead to confirm hours and to ask whether you need an appointment.
Setting up a payment plan if you cannot pay in full
If your bill is large and you cannot pay it all at once, you can request a payment plan. Through the patient portal, select your bill and look for a "Payment Plan" or "Financial Options" button. You'll be asked how much you can pay each month and when you want payments to start.
IU Health typically approves payment plans without a credit check, but the terms depend on your bill amount and ability to pay. Plans usually range from three months to several years. Once approved, you'll receive a new bill showing your monthly payment amount and due date.
If you fall behind on a payment plan, contact IU Health immediately. Missing payments can trigger collection activity and damage your credit. IU Health may also offer financial hardship programs or discounts if your income is below a certain level — ask about these when you call to set up your plan.
What happens if you miss a payment or pay late
If you miss your due date, IU Health will send you a past-due notice. Most bills allow a grace period of 30 days before collection activity begins. During this time, you can still pay without penalty, though your account will be marked as late.
After 30 days past due, IU Health may report the debt to a credit reporting agency, which will lower your credit score. The hospital may also send your account to a third-party collection agency. Once in collections, the debt becomes harder to resolve and may appear on your credit report for up to seven years.
If you receive a past-due notice, call IU Health's billing department right away. Explain your situation and ask about payment options. Many hospitals will work with you to set up a plan or pause collection activity while you arrange payment. The sooner you contact them, the more options you'll have.
Understanding your IU Health bill statement
Your IU Health bill shows the date of service, the provider or facility where you received care, the charges for each service, and any insurance payments already made. At the bottom, you'll see the amount you owe, the due date, and the mailing address for payments.
If you don't recognize a charge or think you were billed twice for the same service, contact IU Health's billing department before paying. Ask for an itemized bill that breaks down each charge by date and service. You have the right to dispute charges within a certain timeframe, and IU Health must investigate your claim.
Some charges may be covered by insurance but appear on your bill because the insurance company hasn't paid yet. Check your explanation of benefits from your insurance company to see what they approved. If insurance should have covered a charge, contact both your insurance company and IU Health to resolve the discrepancy.
Frequently Asked Questions
Can I pay my IU Health bill with a credit card through the portal?
Yes, the patient portal accepts Visa, Mastercard, American Express, and Discover. You can also pay by debit card or bank account transfer. Credit card payments may include a processing fee — the portal will show the fee amount before you confirm the payment.
What if I don't have internet access to use the patient portal?
Call the billing number on your statement to pay by phone or to request a paper bill by mail. A representative can also help you set up a payment plan or answer questions about your charges without requiring you to use the portal.
How long does it take for an online payment to show up on my account?
Online payments usually post within one business day. If you pay after 5 p.m. Eastern Time, the payment may not process until the next business day. The portal will show a confirmation number immediately after you submit payment, even if the balance hasn't updated yet.
Can I get a discount on my bill if I pay in full right away?
IU Health may offer financial hardship discounts or payment assistance based on your income, but this varies by location and situation. Call the billing department to ask whether you may have access to for any discounts or financial programs before you pay.
What should I do if I receive a bill I think was already paid by insurance?
Contact IU Health's billing department with your explanation of benefits from your insurance company. Ask them to verify whether the claim was submitted to insurance and what the insurance company paid. If there's a dispute between the hospital and your insurance, the billing department can help resolve it.