What MediCredit is and how to find your bill
MediCredit is a payment platform that healthcare providers use to let patients pay medical bills online. If you received a bill or statement with a MediCredit reference, it means your provider has set up an account for you on their system. You do not need to create a separate MediCredit account — your provider created it when they added you to their billing.
To pay through MediCredit, go to medicreditcorp.com and look for a "Pay My Bill" or "Patient Login" button on the homepage. You will need your account number (usually on your bill) and either your date of birth or Social Security number to log in. If you cannot find your account number, check the statement your provider sent you — it should be listed near the top.
Some providers also send you a direct link to their MediCredit portal in your bill or email. If you have that link, use it instead of going to the main website, as it takes you straight to your provider's page rather than a general login.
Key Takeaways
- MediCredit is a payment system your healthcare provider set up for you; you do not need to register separately.
- Log in at medicreditcorp.com using your account number and date of birth or Social Security number.
- You can pay with a debit card, credit card, or bank account, and payment usually posts within one to two business days.
- If you cannot log in, call the phone number on your bill rather than MediCredit customer service, because your provider controls your account.
- Paying online does not change your payment plan or forgiveness options — contact your provider directly if you need to discuss those.
Steps to log in and make a payment
Start by visiting medicreditcorp.com. On the homepage, select the option to log in as a patient. You will be asked for your account number and a date of birth or last four digits of your Social Security number. Enter the information exactly as it appears on your bill.
Once you log in, you will see your balance, any payment plans you have set up, and a list of bills due. Select the bill you want to pay and choose your payment method: debit card, credit card, or bank account. If you pay by bank account, you will need to provide your routing number and account number. If you pay by card, you will enter the card number, expiration date, and CVV.
After you submit payment, you will see a confirmation number on the screen. Write this down or take a screenshot. The payment will post to your account within one to two business days, though some providers process payments faster. You will receive an email confirmation as well.
Payment methods and fees
MediCredit accepts debit cards, credit cards, and electronic bank transfers. The cost of paying depends on which method you choose. Paying by debit card or bank account usually has no fee or a small fee (often under $2), while paying by credit card typically costs more — sometimes 2 to 3 percent of the amount you are paying. Your provider may also set their own fees on top of MediCredit's standard charges.
Before you complete payment, the system will show you the total amount due and any fees that apply. If the fee seems high, you can choose a different payment method or contact your provider to ask whether they offer payment without a fee (for example, by mailing a check or paying in person).
Some providers also let you set up automatic payments through MediCredit so the bill is paid on the same date each month. You can change or cancel automatic payments at any time by logging back in and adjusting your settings.
What to do if you cannot log in
If you enter your account number and date of birth but the system says it cannot find your account, first check that you are using the correct information. Account numbers are case-sensitive and must match exactly. If you are still stuck, do not contact MediCredit directly — instead, call the phone number on your bill and ask your provider's billing department to help you reset your password or confirm your account details.
Your provider controls your MediCredit account, so they are the ones who can unlock it, reset your login, or confirm whether your account is active. MediCredit customer service can only help with technical problems on their platform, not with account access or billing questions.
If you never received login information from your provider, call their billing department and ask them to send you a link or instructions for accessing your account online. Some providers send this information automatically, while others require you to request it.
How payment through MediCredit affects your bill and payment plan
Paying your bill through MediCredit works the same way as paying by mail or in person — it reduces what you owe and is recorded as a payment on your account. If you have a payment plan set up with your provider, making a payment through MediCredit counts toward that plan. The system will show you how much you still owe after your payment posts.
Paying online does not change the terms of any payment plan you have. If you need to change your payment plan, set up a new one, or discuss a lower payment amount, you will need to contact your provider directly. MediCredit is only for making payments; it does not handle plan changes, financial hardship requests, or other billing negotiations.
If you are behind on your bill and want to know about payment plans or other options, call your provider's billing department before you pay. They may be able to offer you a plan that fits your budget better than paying the full amount at once.
Security and protecting your information
MediCredit uses encryption to protect your payment information when you enter it online. Your account is password-protected, and the system requires you to verify your identity before you can log in. However, you are responsible for keeping your login information private — do not share your account number or password with anyone.
When you pay by card or bank account, your full card or account number is not stored in the system. Instead, MediCredit stores a token or reference number that lets you make future payments without re-entering all your details. This reduces the risk that your information will be exposed if there is a data breach.
If you notice a payment on your account that you did not make, or if you think someone has accessed your account without permission, log out immediately and call your provider's billing department. They can review your account history and help you report fraud.
Alternatives if you do not want to pay online
You do not have to pay through MediCredit. You can mail a check to the address on your bill, pay in person at your provider's office, or call your provider's billing department to pay by phone with a debit or credit card. Some providers also accept payments through their own patient portal or website, separate from MediCredit.
If you prefer to mail a payment, include your account number on the check and send it to the address listed on your bill. Payment by mail usually takes five to ten business days to post, so plan ahead if your bill is due soon. If you pay in person, bring your bill or account number and ask for a receipt.
Paying by phone is faster than mailing a check but may have a fee. Call the number on your bill and ask whether there is a charge to pay over the phone, and what payment methods they accept.
Frequently Asked Questions
How long does it take for my payment to show up on my account?
Most payments post within one to two business days. Some providers process payments faster, sometimes the same day. If your payment does not appear after two business days, log back in and check your account, or call your provider to confirm they received it.
Can I pay someone else's bill through MediCredit?
No, you can only log in and pay if the account is in your name. If you want to pay a family member's bill, ask them to log in and make the payment, or contact your provider's billing department to ask about paying on someone else's behalf.
What happens if I pay more than I owe?
If you overpay, the extra amount will show as a credit on your account. You can use that credit toward future bills, or contact your provider to request a refund. Some providers automatically refund overpayments after a certain period.
Is there a fee for paying through MediCredit?
Fees depend on your payment method and your provider's settings. Debit card and bank account payments usually have no fee or a small fee under $2. Credit card payments typically cost 2 to 3 percent of the amount you pay. The system will show you the fee before you complete payment.
Can I set up a payment plan through MediCredit?
No, MediCredit only processes payments. To set up or change a payment plan, contact your provider's billing department directly. They can discuss options that fit your budget and set up a plan in your account.