Plan Your Visit

Paying For Your Care

We provide services to ALL in our community regardless of your insurance status. You will never be denied care if you are unable to pay.

For questions about financial assistance programs, contact our Billing Specialist at 816.777.2727.

You will pay co-pays and deductibles according to your insurance policy. We accept almost all major insurance plans, including Medicare and Medicaid.

If you are not insured, or if you think your insurance might not cover all your care, payment for services is discounted based on your income and household size, according to the Sliding Fee Discount Program. Additional financial assistance programs may be available to you.

Income as % of FPL0% to 100%100.01% to 138%138.01% to 166%166.01% to 200%200.01%+
Medical Fee$15$20$25$30Full charges, with discounts on a case by case basis.*
Behavioral Health Fee$15$20$25$30
Dental Fee$50$75$100$125

Federal Poverty Level (FPL) is determined by the Department of Health and Human Services, based on household income and size of household. Figures listed below are for 2026 FPL.

Household Size:0% to 100%100.01% to 138%138.01% to 166%166.01% to 200% 200.01%+
1$15,960$22,025$26,494$31,920$31,921+
2$21,640$29,863$35,922$43,280$43,281+
3$27,320$37,702$45,351$54,640$54,641+
4$33,000$45,540$54,780$66,000$66,001+
5$38,680$53,378$64,209$77,360$77,361+
6$44,360$61,217$73,638$88,720$88,721+

If you do not qualify for payment assistance programs and are uninsured, you can take advantage of our same-day discounts, which are $125 for medical and behavioral health, and $150 for dental.

If your income is over 200% of FPL, you will receive full charges. This includes lab services sent to outside laboratories, such as Quest Diagnostics. If you would like an estimate of the cost for lab services before testing is performed, please contact us. You have the right to receive a Good Faith Estimate of expected charges.

To apply for our payment assistance programs, you will be required to verify your income. To verify your income, we ask you to provide one of the following:

  • Two of your most recent paycheck stubs. If the check stubs are handwritten or do not display hours worked/hourly rate, please provide a notarized letter on company letterhead from your employer stating your work hours, gross pay, and hourly pay rate.
  • Current Unemployment Determination letter with benefit amount from the Unemployment Office. To obtain a letter, visit your state Depart of Labor website; labor.mo.gov/ for Missouri residents, and dol.ks.gov/ for Kansas residents.
  • Copies of your current Social Security, Pension, Trust, SSI Disability Award Letter or Child Support Check (Social Security: socialsecurity.gov)
  • Current Financial Aid Papers, Scholarships, Pell Grants, I20, etc.
  • Tax Profit and Loss for the Year
  • W-2 Forms
  • Other Acceptable Resources Documenting Your Income

If you qualify and funding is available, part of your care may be funded by the City of Kansas City, Missouri. To qualify, individuals must be a resident of Kansas City, Mo., be uninsured, and earn an income below 400% of the federal poverty level. To verify your residency, please provide one of the following:

  • Current mail addressed to you or your spouse. The mail should include a postmark on the outside of the envelope that is less than 30 days old. If necessary, mail yourself a letter. Unfortunately, we cannot accept mail sent to a PO Box.
  • Unemployment determination letter with envelope
  • Copy of photo ID with current address
  • Utility bill in your name with current address

Drop off your information at any KC CARE location during business hours or at the time of your appointment.

Ryan White Patients

If you are not insured, or if you think your insurance might not cover all your care, payment for services is discounted based on your income and household size, according to the Sliding Fee Discount Program. Additional financial assistance programs may be available to you.

Income as % of FPL0% to 100%100.01% to 138%138.01% to 166%166.01% to 200%200.01%+
Medical FeeNone$20$25$30Full charges, with discounts on a case by case basis.*
Behavioral Health FeeNone$20$25$30
Dental FeeNone$75$100$125

Federal Poverty Level (FPL) is determined by the Department of Health and Human Services, based on household income and size of household. Figures listed below are for 2026 FPL.

Household Size:0% to 100%100.01% to 138%138.01% to 166%166.01% to 200%200.01%+
1$15,960$22,025$26,494$31,920$31,921+
2$21,640$29,863$35,922$43,280$43,281+
3$27,320$37,702$45,351$54,640$54,641+
4$33,000$45,540$54,780$66,000$66,001+
5$38,680$53,378$64,209$77,360$77,361+
6$44,360$61,217$73,638$88,720$88,721+

You may qualify for Ryan White case management assistance.

The law limits the annual cumulative charges to an individual for HIV-related services to:

Individual Income:Maximum Annual Charge:
$0 to $15,960No fees for services
$15,961 to $31,920No more than 5% of gross annual income
$31,920 to $47,880No more than 7% of gross annual income
$47,881+No more than 10% of gross annual income

We encourage you to track your out-of-pocket expenses. Qualifying expenses can include:

  • Primary Care appointments
  • Behavioral Health and substance use disorder counseling
  • Dental Care
  • Ophthalmology
  • Dermatology
  • Prescriptions
  • Over the counter medications
  • Insurance premiums and copays

If you reach your Maximum Annual Charge, contact your HIV Case Manager. You will not be charged for additional services we provide for the rest of the year. If your HIV Case Manager is not at KC CARE or you have questions, contact our Billing Specialist at 816.777.2727.

How to Pay

When is payment due?
Payment is due when you check in for your appointment. If you are unable to pay at that time, you will receive a statement in the mail.

How can I make my payments?

If you would like to pay via cash or check, you can bring your payment to the front desk at any of our locations. You may also write a check made out to KC CARE and mail it to:

KC CARE Health Center
4435 Main St.
Kansas City, Mo. 64111

If you do not have insurance, KC CARE is pleased to provide you with an estimated cost for scheduled medical services before your appointment.

The estimate is KC CARE’s prediction for the out-of-pocket cost you can expect to be responsible for. Estimates do not include additional medical services recommended by the physician or requested during the appointment.

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