Billing Information
Understanding your medical bills doesn’t need to be complicated. At Covenant HealthCare, we are committed to helping you navigate healthcare costs, insurance, and financial support with clarity, transparency, and compassion.
When you or a loved one is receiving care, your focus should be on health and healing—not paperwork and billing details. That’s why we provide clear information and support to help simplify the financial side of your care, so you can spend your energy where it matters most.
Covenant HealthCare can assist you with Financial Assistance programs, Health Insurance Marketplace (Healthcare Exchange) options, Healthy Michigan Plan, and Medicaid eligibility. Our Financial Counselors are available to help guide you through your options and answer your questions.
For Financial Assistance support, please contact our Financial Counselors at 989-583-2959 or email financialcounseling@chs-mi.com.
For insurance and billing questions, please call 989-399-3125 or 989-583-6024, Monday through Friday, 8:00 a.m. – 5:00 p.m.
How Billing Works
When you check in, Covenant staff should request to photocopy your driver’s license and insurance card(s). If this was not done, please have a family member or visitor bring them to the Admitting Department. They will copy the cards and return them.
After you receive care, you may receive separate bills for hospital services, physician services, and any additional care such as lab tests or imaging. If you have insurance, your insurance provider will be billed first, and you will receive a statement for any remaining balance based on your coverage.
You should familiarize yourself with the terms of your insurance coverage. If you have questions about your insurance coverage, our Financial Counseling Department at (989) 583-2959 is here to help you understand charges, insurance adjustments, and payment options.
If you do not have medical insurance
Our Financial Counselors are available to help you apply for various programs, such as Healthy Michigan. They can also assist you with navigating the Healthcare Exchange. If paying your hospital bill creates a financial hardship, you can apply for financial assistance, which may be available based on established guidelines. Consideration for assistance includes the patient’s or responsible party’s income level, assets, situation, number of people in the home, and other indicators of inability to pay. Applications are available in various locations, such as Admitting, Cashier, and Covenant Physician Offices.
If you are in need of a payment arrangement
All patient balances are due upon receipt of the bill. Please call our Central Business Office at (989) 583-6024 to make arrangements if you are not able to pay in full. Partial payments made toward your balance will not stop collection activity unless you have made payment arrangements and complied with the terms of the arrangements.
You may also be able to set up a bill payment plan through your MyChart account.
If you are a member of a Health Maintenance Organization (HMO) or similar health plan
Your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It is your responsibility to make sure the requirements of your plan have been met. If your plan requirements are not followed, you may be financially responsible for all or part of the services rendered in the hospital. Also, please be aware that some physician specialists may not participate in your health care plan, and their services may not be covered.
If you are covered by Medicare
We need to copy your Medicare card to verify eligibility and process your Medicare claim. You should be aware that the Medicare program does not cover payment for certain items and services, such as cosmetic surgery, some dental surgery procedures, personal comfort items, hearing evaluations, self-administered drugs for outpatient procedures, and others. Deductibles and co-payments are also the responsibility of the patient.
If you are covered by Medicaid or a Medicaid Managed Plan
We need to copy your Medicaid card. Medicaid also has payment limitations on a number of services and items. Medicaid does not pay for the cost of a private room.
If you were involved in an auto accident
Covenant HealthCare needs your auto insurance information so we can maximize your insurance benefits. Without this information, we cannot bill your insurance. Therefore, the bill will be your responsibility. Once a claim has been filed, please call us at (989) 583-4318 with your insurance company information, including claim number and billing address. If you do not have auto insurance, there may be other options to get your bill paid; please call our Financial Counselors at (989) 583-2959 to be assessed.
If your insurance may be out of network
Covenant accepts most insurance plans; however, we would suggest that you check with your health plan to determine if you are in network with Covenant HealthCare. If your insurance does not participate with Covenant, we will bill your insurance out of courtesy, but the remaining balance will be your responsibility.
Participating Insurance
Covenant HealthCare works with a wide range of insurance providers to help make care accessible and affordable. We accept many commercial insurance plans, as well as government programs such as Medicare and Medicaid.
Because coverage can vary by plan, we encourage patients to verify benefits with their insurance provider or contact us before receiving care whenever possible.
Price Transparency & Cost Estimates
We believe patients should have access to clear, upfront information about healthcare costs. Covenant HealthCare provides price transparency tools and resources to help you better understand potential charges for services.
Before or during your care, you may request a cost estimate based on your planned services and insurance coverage. Estimates can help you plan for out-of-pocket expenses, including deductibles, copays, and coinsurance.
Please note that final costs may vary depending on the care you receive and how your insurance processes claims. Our team is available to help you review estimates and answer questions about your bill.
Financial Assistance
We understand that healthcare costs can be a burden. Financial assistance may be available for patients who meet certain income and eligibility guidelines.
Our Financial Assistance Program helps reduce or eliminate costs for qualifying individuals and families. We also offer payment plans to make managing your medical bills more manageable over time.
Learn More About Financial Assistance
If you need help, we encourage you to apply or speak with a financial counselor who can guide you through your options.
Need Help?
If you have questions about your bill, insurance coverage, or financial assistance, our team is ready to support you.
Contact the Covenant Financial Counseling Department at (989) 583-2959 for personalized assistance.