Financial Services/Price Estimates

Financial Services at Memorial Healthcare

Memorial Healthcare is committed to offering high-quality care and competitive prices. To learn more about pricing and financial assistance options, please review this page carefully.

Please contact a Financial Counselor at (989) 729-4160 if you have any billing questions.

Memorial Medical Associate offices are departments of Memorial Healthcare. All billing questions can be directed to the number above.

Out-of-Network Surprise Bills

The No Surprises Act (NSA) became effective in January 2022 and establishes new federal protections against surprise medical bills. The law protects patients from receiving surprise medical bills resulting from gaps in coverage for services provided by any out-of-network clinicians at in-network facilities. Please click here to view The No Surprises Act.

CarePayment Plan

To help ease concerns about how to cover the ever-increasing number of out-of-pocket medical expenses, Memorial Healthcare offers a special program called CarePayment®. It is available for anyone who needs extra time to pay their hospital bills or bills for doctor visits at our Memorial Medical Associate offices.

This extended-term, interest-free financing program provides another option besides traditional payment methods of cash, check or credit card to help you create a plan that better suits your personal budget.

The CarePayment program is available to all patients age 18 or older with a valid social security number, regardless of employment or credit history. There is no approval or application process. You will receive a special CarePayment card and can add additional charges to your account as long as you are current with your monthly payments.

The benefits of the CarePayment program include:

  • 0% fixed interest rate for the life of the account
  • Ability to pay your balance over a 25-month period
  • Low minimum monthly payments: 4% of your highest balance or $25, whichever is greater
  • Consolidation of multiple balances into one monthly payment

Once your balance is set up on the CarePayment program, you can make your monthly payments directly to CarePayment via mail, phone or online (at no extra charge).

For information on the CarePayment program and how to take advantage of this plan, call the Customer Service department at 989.720.2000 or (866) 524-4744.

Financial Assistance

Memorial Healthcare is proud of its mission to provide quality care to all patients in the community we serve. If you do not have health insurance or worry that you may not be able to pay for part or all of your care, we may be able to help.

If you are looking for a convenient, affordable payment plan option, consider the CarePayment Plan (above).

Memorial Healthcare also provides financial assistance to patients based on their income, assets, and financial needs. The following forms may be printed and filled out for assistance consideration.

For more information, please contact our Customer Service department at 989-720-2000. We will treat your questions and any information you provide us, with confidentiality and courtesy.

Price Estimates

At Memorial Healthcare, we are committed to providing patients with the information they need to understand the costs of their care and make informed decisions. Our online tool lets you create an estimate of your out-of-pocket costs for common procedures and services.

The estimate is based on the information you provide. Your actual charges may vary based on medical condition, final diagnosis, and the services you receive. If you have insurance, your benefits will ultimately determine the amount you owe (including deductibles, co-pay, co-insurance, and out-of-pocket maximums). The online tool will consider your primary insurance. We encourage you to contact your insurance provider for any questions you may have regarding your plan benefits.

You may contact a Financial Counselor at (989) 729-4160 for specific and individualized information regarding charges associated with an anticipated hospitalization or outpatient procedure.

(Please note that our price estimator tool does not function properly in Internet Explorer. Please use Chrome, Safari or Firefox. Thank you.)

Good Faith Estimate Disclaimers

  • The Good Faith Estimate shows the estimated costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created.
  • The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, and your bill is $400 or more for any provider or facility than your Good Faith Estimate for that provider or facility, federal law allows you to dispute (appeal) the bill.
  • You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.
  • You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about four months) of the date on the original bill.
  • If you dispute your bill, the provider or facility cannot move the bill for the disputed item or service into collection or threaten to do so, or if the bill has already moved into collection, the provider or facility has to cease collection efforts. The provider or facility must also suspend the accrual of any late fees on unpaid bill amounts until after the dispute resolution process has concluded. The provider or facility cannot take or threaten to take any retributive action against you for disputing your bill.
  • There is a $25 fee to use the dispute process. If the Selected Dispute Resolution (SDR) entity reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate, reduced by the $25 fee. If the SDR entity disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.
  • To learn more and get a form to start the process, visit, email, or call 1-800-985-3059.
  • For questions or more information about your right to a Good Faith Estimate or the dispute process, visit, email, or call 1-800-985-3059.
  • You should keep a copy of your Good Faith Estimate in a safe place or take pictures of it. You may need it if you are billed a higher amount.
  • The Good Faith Estimate may contain private information that is legally protected. It’s only for you to use. If you are not the patient, you need to know that sharing, copying, or acting on this information is against the law.

Healthy Michigan Plan

Find out more about this new, comprehensive health insurance plan for low-income adults offered by the Michigan Department of Community Health at

The Healthy Michigan Plan covers people with income up to 133% of the Federal Poverty Level (individuals who earn about $16,000 a year, or $32,000 for a family of four) who are:

  • Ages 19-64
  • Not currently eligible for Medicaid
  • Not enrolled in or currently qualify for Medicare
  • Not pregnant when applying for the Healthy Michigan Plan
  • Residents of the State of Michigan

To schedule an appointment with one of our Financial Counselors, call (989) 729-4160. They are available to answer your questions and help you enroll.