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Understanding Your Bill

Understanding Charges

USNWR Best Children's Hospitals

Children's Mercy is recognized year over year as one of the best children's hospitals.

No one can deny that healthcare charges are complicated. It would be much easier to determine costs if treatments, procedures and services were all the same for everyone. But thankfully, they aren’t the same—because everyone, and especially every child, is different. Thus, the combination of services provided to each individual patient at a particular visit is always different.

Besides individualized care, there are several other variables that determine what a family will actually pay, including:

  • Whether or not they have insurance

  • The negotiated price for services with their insurance company

  • The family’s health insurance plan, including deductible, co-insurance and copays

  • Self pay discount

  • Financial assistance for which they may qualify

To comply with federal law, Children’s Mercy is providing the current standard charges for our services. Due to the variables mentioned above (and the example below), this list is probably not very useful to families, and we want to help!

Here is an example of an insurance claim for a two-year-old referred by her pediatrician to Children’s Mercy for diarrhea and weight loss and had an elective outpatient diagnostic test. (This serves only as an example to show that what a family actually pays is variable.)

Example of charges before and after insurance is applied

Billed charges $7,719.98
Children's Mercy Discount to Insurance Company $2,701.99
Total Due $5,017.99
Insurance Pays $4,014.39
Patient Deductible  $0
Patient Co-Insurance $1,003.60
Total Due from Patient $1,003.60


Patient Access Financial Clearance Team is here to help you

Financial Clearance team members are available to help families understand their individual costs; provide guidance for working with their insurance companies and individual health plans; and lead the process for qualified financial assistance, if needed.

Please call the Financial Clearance team at (816) 302-1650 or via email at

Questions regarding your specific insurance coverage should be directed to your insurance company. Click here for more information about insurance plans that include Children’s Mercy.

Pediatrics is different

This is especially true for pediatrics and children’s hospitals, where equipment must accommodate a two-pound baby in the NICU and a 16-year-old cancer patient. Specialized services like Child Life, low-dose radiation and pharmacists that understand the nuances of dosing for every age child contribute to the individualized services needed.

This level and complexity of care simply costs more than it does in adult systems that don’t have to accommodate for these variables. But these specialized services and equipment are why Children’s Mercy has better outcomes and is consistently recognized for those outcomes by institutions like U.S. News & World Report.

But let our patients tell you why we're different.


Children's Mercy Provider Ratings

Proud to provide the best care to children and families.

4.71 out of 5
Learn more about our provider ratings.


Helpful resources

Patient Access Financial Clearance
We can provide information about the cost of services before your visit.
(816) 302-1650

We can answer questions about your billing statements.
(816) 701-5100

Financial Counseling
We can provide financial assistance options.
(816) 234-3567

Information about insurance plans that do not include Children’s Mercy, as well as other helpful information, can be found at

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