Insurance and Financial Assistance
Understand Your Coverage
It’s important that you understand your health insurance benefits, and we can help. Our Patient Financial Services department will review your insurance information and help with financial arrangements before your admission.
Within 48 hours of your admission, a Patient Financial Services representative will visit with you and be available to answer any questions you may have about your insurance coverage.
Contact Patient Financial Services
We’re happy to answer any other questions you have about your insurance and other financial considerations.
- Call
Accepted Insurance
Mary Free Bed accepts most major health plans. Patient Financial Services will bill your insurance provider for services you receive. Some health insurance policies have limitations or may even exclude coverage for certain services. In some cases, you may be personally responsible for paying what isn’t covered by your insurance carrier. Reach out to your insurance company if you have specific questions/concerns regarding your coverage.
Charges
Your daily room charge covers nursing care, social work, therapeutic recreation, meals, linens, educational services and other minor incidental items. Other charges billed include therapy services, medications, lab work, medical supplies, special nursing procedures, driver rehabilitation, x-rays, medical equipment and other medical services that may be ordered during your inpatient stay. You will receive separate bills for physician services and psychology services.
Visit our Pricing Transparency page for more information on our standard hospital charges.
Pay Your Bill Online
Click here to be redirected to our secure, online payment service.
Statements
Please be aware that a new account with a new account number is created for outpatient services received each month from Mary Free Bed Rehabilitation Hospital. This may result in several accounts being open at a time.
It is important to retain all statements received on each account until each account is paid in full. Please understand that these accounts are your responsibility and the amounts not covered by insurance or third party are due in full upon receipt of the statement, unless you make payment arrangements.
Mary Free Bed uses multiple Electronic Health Record (EMR) services and statements will arrive with differing “pay to:” addresses and names.
We accept many types of insurance as well as offer options for those without insurance coverage. Please note that you’re responsible for reporting any insurance changes to us.
If an insurance payment is sent directly to you, it should be used to pay any outstanding charges to Mary Free Bed. Deposit the insurance check as soon as possible, and send Mary Free Bed a personal check or forward the insurance check. For your convenience, we accept cash, personal checks, debit cards, money orders, Visa, MasterCard, American Express and Discover. Secure online bill payment also is available.
Community Financial Assistance Policy
We understand medical care can be expensive, and we’re committed to making sure cost isn’t a barrier to receiving the treatment you need. That’s why we offer financial assistance for eligible patients who may need help covering their medical bills. This policy provides an overview of our Community Financial Assistance Policy.
Contact Info:
- Phone Number
- Fax Number
How We Can Help
Mary Free Bed will provide medically necessary services, within its financial capabilities and constraints, to those individuals who have limited financial resources.
If you qualify, we offer:
- Discounted rates based on your household income
- Flexible payment plans to make medical costs more manageable
- Full or partial financial assistance for those who meet income requirements
What Assistance is Available?
Financial assistance is available for medically necessary care provided by:
- Mary Free Bed Rehabilitation Hospital
- Mary Free Bed Medical Group
- Mary Free Bed Orthotics & Prosthetics
Other providers, including physicians and psychologists, who are not employed by Mary Free Bed but provide services at our facilities are not covered under this policy.
Am I Eligible?
Eligibility is determined by your ability to pay after all available resources have been utilized and all available assistance programs have been assessed. You may be eligible if you:
- Live in Michigan
- Are uninsured or underinsured
- Meet income requirements (see below)
- Have explored other available assistance programs, such as Medicaid or Children’s Specialty Healthcare Services.
Basis for Calculating Amounts Charged
If you qualify for financial assistance, your out-of-pocket costs will be based on the Mary Free Bed Community Financial Aid Sliding Fee Schedule. Here’s how it works:
Full Free Care (Uninsured Patients)
If your household income is below 145% of the Federal Poverty Level (FPL) and your assets are under 600% of the FPL threshold, your entire bill may be covered through our Community Financial Assistance program.
Discounted Care (Uninsured Patients)
If your household income is between 145% and 250% of the Federal Poverty Level (FPL) and your assets are under 600% of the FPL threshold you may qualify for a discount based on a sliding scale.
What are the Income Requirements?
Your eligibility is based on your household income and follows a sliding scale using Federal Poverty Level (FPL). Income levels are updated annually with changes in the charge master.
- If your income is 145% of FPL or lower, you may receive free care.
- If your income is between 146% and 250% of FPL, you may receive a discounted rate based on our sliding scale.
Example of Discounts Based on Income:
Note: If you have insurance or assets that can cover your care, you may not be eligible for financial assistance.
Household Income | Discount on Medical Costs |
|---|---|
145% FPG or Lower | 100% (Free Care) |
146% – 180% FPG | 80% discount |
181% – 215% FPG | 60% discount |
216% – 250% FPG | 40% discount |
How to Apply for Community Financial Assistance
The process for applying for financial assistance under our CFA Policy includes these steps:
Fill out the Community Financial Assistance Application
- Your eligibility is based on income, assets, and family size.
- We’ll also check if you qualify for insurance programs like Medicaid or Healthy Michigan (we can help direct you to the appropriate resources).
Submit your application via email or fax:
- Fax Number
- 616.840.9734
- If you have questions, call
- 616.840.8223
We review your application and notify you.
- After we receive your application, you’ll receive a written response from us within 10 business days.
- If denied, you can appeal within 30 days for reconsideration.
If you’re denied eligibility, there are steps you can take.
- An appeal of the denial may be submitted, in writing, within thirty (30) days of the denial date. Once a written appeal is received, the application will be re-evaluated by Patient Financial Counseling.
- A written response to the denial will be provided to the patient and will indicate the decision to approve eligibility for CFA or uphold the denial of CFA.
- If a patient, or patient’s guarantor, is denied CFA, the patient or guarantor, may reapply at any time there has been a change of income or status.
- Please return all applicable documentation along with the completed CFA-3 Application to the address on the envelope provided with your application, or to the address below:
- Mary Free Bed Rehabilitation Hospital
Patient Financial
Counseling
235 Wealthy St SE
Grand Rapids, MI 49503
(616) 840-8909
What Happens If You Can’t Pay Your Bill?
We will give you time
- We won’t send your account to collections for at least 120 days after your first bill.
- We’ll contact you at least twice (by mail or phone) to remind you about your balance and financial assistance options.
We’ll help you explore financial aid
- If you apply for financial assistance, we won’t take any collection actions while your application is being reviewed.
- If you apply for Medicaid or other coverage programs, we won’t take any collection actions until a decision is made.
If you don’t qualify for financial aid or don’t make payments
- We’ll work with you to set up an affordable payment plan.
- If payments aren’t made for 70 days, your account may be sent to collections.
- You’ll receive a final written notice at least 10 days before any collection action is taken.
Fair Billing for Financial Assistance Recipients
If you qualify for financial assistance, you won’t be charged more for medically necessary care than what patients with insurance typically pay. However, if you have insurance or other financial resources that can cover your care, you may not be eligible for financial assistance. For full details, please refer to the Community Financial Assistance (CFA) Policy or contact us with any questions
Get Assistance:
We’re committed to ensuring that finances don’t stand in the way of your care. Our financial counselors are happy to help.
- Phone Number
- Fax Number