The straight answer on insurance and billing.
We accept most major Michigan insurance carriers, including Medicare, Priority Health, BCBS, McLaren, and more. Self-pay options are also available — and our billing team is happy to verify your specific plan before you come in.
The carriers we're in-network with.
If your insurance is on this list, you're covered for in-network rates. If it's not, you can still come in as a self-pay patient — see the next section.
Medicare
Original Medicare and Medicare HMO plans
Priority Health
One of Michigan's largest carriers
BCBS
Blue Cross Blue Shield of Michigan
Blue Care Network
BCBS Michigan HMO product
McLaren Health Plan
McLaren Health Care insurance plans
Humana
Including Medicare Advantage plans
Tribal Insurance
Native American tribal health plans
Auto Insurance
For motor vehicle injury claims
Workers' Compensation
For work-related injury claims
IMPORTANT NOTE FOR AETNA & CIGNA PATIENTS
Aetna & Cigna — PPOM plans only
We are in-network with Aetna and Cigna only through their PPOM (Preferred Provider Organization of Michigan) plans. Other Aetna or Cigna plans are out-of-network. Always verify with our billing team or your insurer before your visit.
Don't see your carrier or have questions? Call (231) 753-1400 and we'll verify your benefits before your visit. We can also give you an estimate if you're paying out-of-pocket.
What if your insurance isn't on the list?
You're still welcome here. Here's how billing works for self-pay and out-of-network patients.
SELF-PAY (NO INSURANCE)
Pay at the time of visit.
If you don't have insurance, you can still come in. We require payment at the time of service, and we'll give you a clear estimate of the cost before your visit so there are no surprises.
- Estimate provided before the visit if you call ahead
- Payment due at time of service
- Cash, check, and major credit cards accepted
Call (231) 753-1400 to ask for an estimate before your visit.
OUT-OF-NETWORK INSURANCE
You may have a balance after insurance.
If your insurance isn't on our in-network list, we'll still see you. Your insurance may cover part of the visit at out-of-network rates, but any balance after their payment is your responsibility.
- Visit billed at standard rates
- We'll submit the claim to your insurer
- Any remaining balance billed to you
Verify with your insurer before your visit so you know what to expect.
The four things patients ask most.
Pulled straight from our patient payment policy. If anything's unclear, our billing team is happy to walk you through it.
Copays & deductibles
Due at the time of your visit. We'll let you know your copay amount based on your plan when you check in. If you're unsure, call ahead and we'll verify your benefits.
Self-pay timing
Self-pay visits require payment at time of service. We can give an estimate before your visit, though final cost may shift slightly based on the services we end up providing.
Unpaid balances
Balances older than 90 days become delinquent and may be sent to collections, which adds a $25 non-refundable fee. If you're having trouble paying, call us — we can usually arrange a payment plan.
No-show appointments
If you can't make a scheduled appointment, please give us at least 24 hours' notice. Cancellations less than 24 hours out, or missed appointments, may result in a $25 service charge that isn't reimbursable by insurance.
PAY ONLINE
Have a balance? Pay it from anywhere.
Skip the phone call and pay your balance through our secure online patient portal. Available 24/7.
Call us. We'll get you sorted.
Our front desk handles dozens of questions a day — about appointments, services, insurance, and just about everything in between. If your question isn't here, we're happy to answer it directly.