Pay My Bill

About Your Bill – Frequently Asked Questions

  • How does billing work?

    1. Seattle Children’s sends your insurance company a bill using the information you give us at registration.
    2. The insurance company reviews the bill and pays or denies its part:
      • If Seattle Children’s has a contract with your insurance company, then the total charges are reduced, like a discount. Most insurance companies call this discounted amount an “adjustment.” What is left over is called the “allowed amount.”
      • If you have not met your deductible for the year, you must pay costs up to the deductible amount before insurance will pay anything. After you have met your deductible, you may be responsible for a portion of the allowed amount. This is called coinsurance. Some health services do not have coinsurance and deductibles.
    3. After your insurance company pays its portion of the allowed amount, or processes the claim, you will receive an explanation of benefits from them.
    4. Seattle Children’s sends you a bill for the amount you owe. Your cost includes unpaid copay, your coinsurance and any remaining amount up to your annual deductible or “out-of-pocket maximum.” If your insurance plan pays the full allowed amount, you will not receive a bill.

    This process can take weeks or months, depending on your insurance plan. Learn more about insurance coverage.

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  • Do you offer payment options?

    Yes. We offer:

    • Interest-free payment plan – We can help you work out a monthly payment plan. You do not need to fill out an application form. We do not check your credit score. Contact us for more information.
    • Self-pay discount – We offer a 25% discount on our healthcare services if you do not have insurance or if your insurance specifically excludes coverage for the services your child needs.

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  • How many bills will I receive?

    In most cases, you will receive one bill from Seattle Children’s for medical services. If your child sees a mental health or dental provider, you will receive a separate bill for these. This means you may get more than one statement for the same date of care. These bills will include provider fees and applicable facility fees. See Clinic and Urgent Care Facility Charges (PDF) for more information.

    You may receive a separate bill from other providers and services if your child:

    • Was treated by a primary care provider (PCP) while in the hospital
    • Arrived here by airplane, helicopter or ambulance (Airlift Northwest)
    • Arrived here by ambulance (American Medical Response). You may also get a bill from an EMT (emergency medical technician or medic) and/or an emergency transport company that is not listed here.
    • Received treatment from a physician in the hyperbaric chamber (Virginia Mason) or had radiation or proton therapy (UW Physicians)

    Seattle Children’s Financial Assistance does not cover bills for these services. If you have questions about bills from the type of providers listed above, contact the company that sent you the bill.

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