What MySecureBill is and how it works
MySecureBill is a patient portal where you can view and pay medical bills online. It is run by MHSIL (Medical Health Services Information Link), a company that handles billing for hospitals and medical practices. When your healthcare provider uses MySecureBill, you can log in to see what you owe, set up payment plans, and make one-time payments without calling the billing office.
The portal shows you itemized bills — what services you received, what your insurance paid, and what balance remains. You can pay by bank transfer (ACH), debit card, or credit card. Payments typically post within one to three business days, depending on the payment method you choose.
Not every medical provider uses MySecureBill, so you will only have access if your hospital or clinic has contracted with MHSIL. If you are unsure whether your provider uses it, check your bill or contact the billing department directly.
Key Takeaways
- MySecureBill lets you view your full bill, see what insurance paid, and understand what you still owe before you pay anything.
- You can pay in full or set up a payment plan directly through the portal without speaking to a billing representative.
- Bank transfers (ACH) are usually free, while debit and credit card payments may carry a processing fee of 2 to 3 percent.
- Your login credentials are specific to your account; if you have multiple family members with bills, each person may need a separate login.
- Payments made through MySecureBill go to your provider's billing account, so they reduce what you owe immediately.
How to create a MySecureBill account and log in
To use MySecureBill, you need to register on the portal first. Go to the MySecureBill website or find the link on your provider's patient portal. You will be asked to enter your date of birth, the account number from your medical bill, and the balance amount shown on that bill. This information confirms you are the person responsible for the account.
Once you have verified your identity, you create a username and password. Write these down or save them in a password manager, because you will need them every time you log in. If you forget your password, use the "Forgot Password" link on the login page to reset it — you will receive a temporary password by email.
If you have multiple medical bills from the same provider, they may all appear under one MySecureBill account once you log in. If bills are from different providers, you will need separate accounts for each one, since each provider's billing system is separate.
Understanding your bill and what you owe
When you log into MySecureBill, the first screen shows your account balance — the total amount you are responsible for paying. Below that, you will see a breakdown of charges by date of service. Each line item shows the service code, description of what was done, the provider's charge, what your insurance paid, and your out-of-pocket cost.
The balance you owe is what remains after your insurance company has paid their portion. This includes your deductible (the amount you pay before insurance kicks in), your coinsurance (a percentage of the cost you share with insurance), and any services your insurance does not cover. If you have questions about why a specific charge appears, MySecureBill usually has a "Contact Billing" button that lets you send a message to the billing department.
Some bills show multiple dates of service if you had multiple visits or procedures. You can usually click on each date to see the itemized charges for that visit. This helps you spot errors — for example, if you were charged twice for the same test or if a service you thought insurance would cover appears as your responsibility.
Payment methods and fees
MySecureBill accepts three payment methods, and the cost to you depends on which one you choose. Bank transfer (ACH) is almost always free and takes one to three business days to post. Debit card and credit card payments usually carry a processing fee of 2 to 3 percent of the amount you pay — so if you pay $500 by credit card, you might pay an extra $10 to $15 in fees.
Before you choose a payment method, check whether the fee is worth it to you. If you are paying a small balance and the fee would be more than a few dollars, ACH is the better choice. If you need the payment to post quickly and you are willing to pay the fee, a debit card may be faster than waiting three days for a bank transfer.
When you make a payment, MySecureBill shows you the fee amount before you confirm. You can see the total you will be charged — the bill amount plus any fee — and decide whether to proceed. Once you confirm, the payment is processed immediately, though it may take a day or two to show up in your provider's system.
Setting up a payment plan
If you cannot pay your full balance at once, MySecureBill may let you set up a payment plan directly through the portal. The terms vary by provider — some offer three-month plans, others offer six months or longer. You will see the monthly payment amount and the due date for each installment before you agree to the plan.
Payment plans through MySecureBill are usually interest-free, meaning you pay back exactly what you owe with no extra cost. However, if you miss a payment, the provider may charge a late fee or cancel the plan and demand the full balance. Check the plan terms carefully to see what happens if you miss a payment.
If MySecureBill does not offer a payment plan option for your bill, or if the terms do not work for you, contact the billing department directly. Many providers offer payment plans that are not available through the online portal, and a billing representative can discuss options like longer terms or hardship programs.
What to do if you cannot pay or disagree with a charge
If you believe a charge on your bill is wrong, do not ignore it. Use the "Contact Billing" or "Dispute" feature in MySecureBill to send a message explaining the error. Include the date of service, the charge amount, and why you think it is incorrect. The billing department will investigate and respond within a few business days.
If you cannot pay your bill right now, contact your provider's financial assistance or patient advocate office before the bill goes to collections. Many hospitals have programs for patients with low income or hardship, and some will reduce or forgive bills if you meet their criteria. MySecureBill does not handle these programs — you need to call the billing office or visit your provider's website to find the financial assistance application.
If a bill has already been sent to a collection agency, MySecureBill will no longer show it. You will need to contact the collection agency directly to dispute the debt or set up a payment plan. Get the agency's name and contact information from the collection notice you received in the mail.
Security and privacy on MySecureBill
MySecureBill uses encryption to protect your login information and payment details. When you log in, look for the padlock icon in your browser's address bar — this means the connection is secure. Never share your username or password with anyone, and do not log in from a public computer or unsecured Wi-Fi network.
Your medical information and payment history are protected under healthcare privacy laws. MHSIL is required to keep your data confidential and cannot share it with third parties without your permission. If you have concerns about how your information is being used, look for the privacy policy link on the MySecureBill website or contact the billing office.
If you notice suspicious activity on your account — such as a payment you did not make or a login from an unfamiliar location — change your password immediately and contact the billing office. They can review your account history and help you secure it.
Frequently Asked Questions
Can I pay someone else's medical bill through MySecureBill?
Only if you are listed as responsible for that bill. MySecureBill requires you to verify your identity using information from the bill itself. If you want to pay a family member's bill and you are not the account holder, ask them to log in and make the payment, or contact the billing office to ask about adding you as an authorized payer.
What happens if I pay online but the bill still shows as due?
Payments can take one to three business days to post to your account, depending on the payment method. If more than three days have passed and the balance has not changed, log back in and check your payment history to confirm the payment went through. If it did, contact the billing office — there may be a delay in their system. If it did not go through, you will see an error message explaining why.
Can I get a receipt for my payment?
Yes. After you complete a payment, MySecureBill usually shows a confirmation number and receipt on screen. You can print this page or take a screenshot. You can also log back into your account anytime to view your payment history and print a receipt from there.
What if I do not have a bank account for ACH payment?
You can use a debit card or credit card instead. Keep in mind that card payments usually include a processing fee. If you do not have either, contact the billing office — some providers accept payment by phone, mail, or in person at the hospital.
Does paying through MySecureBill affect my credit score?
Paying your bill on time does not hurt your credit. However, if you do not pay and the bill goes to collections, that will appear on your credit report and lower your score. Paying through MySecureBill shows the provider that you are paying, which keeps the account in good standing and prevents collections.