Lake Huron Medical Center Billing and Insurance
Location and Hours:
2601 Electric Avenue
Port Huron, MI 48060
Patient Financial Services
Lake Huron Medical Center wants to help you understand the billing process
and resources that are available to you. Patient Financial Services is
here to help you understand your hospital bill and to explain the options
available to you if you are unable to pay for the services you need.
Always bring your identification and insurance card when coming to the
hospital for services. Lake Huron Medical Center is dedicated to protecting
the integrity of your medical record and your financial security. We ask
for proof of identity at every patient encounter.
Hospital charges are summarized into categories of charges on your bill,
such as laboratory, radiology, or supplies. Physicians and other professional
providers bill their fees separately from the hospital.
You may receive more than one bill from other professionals who assisted
with your treatment (i.e. radiologists, anesthesiologists, ER physicians, pathologists).
If You Have Insurance Coverage
Most insurance contracts are between an employer group and an insurance
company, although some plans cover an individual subscriber or a family.
Lake Huron Medical Center bill your insurance company directly. You, however,
are ultimately responsible for all charges and we may request your assistance
if your claim is denied by your insurer.
When is payment due?
Most insurance plans include a patient responsibility portion. In accordance
with your insurance plan, we expect the portion that is the patient’s
responsibility to be paid at the time of service unless other payment
arrangements have been made. These payments could include deductibles,
co-pays, co-insurance, fees for non-emergent, non-covered services and
cosmetic surgery, and past due balances on outstanding accounts.
We accept the following forms of payment:
Cash, Check, Debit Card, Credit Card: Visa, MasterCard, Discover, American
We also have an interest-free payment plan available for up to 3 months.
If you require extended terms, we will assist you in setting up a longer-term
loan with very favorable interest rates through HealthFirst Financing
What is “Under-insured”?
While many patients have some healthcare insurance coverage, very often
there is limited coverage between the plan and what is needed to meet
the healthcare needs of the patient. Often, this requires a patient to
pay a large amount for services.
If you cannot afford to pay the amount owed, you may qualify for some of
the options listed below. Please contact a Financial Counselor to discuss
these options at 810-216-4100.
If You Do NOT Have Insurance Coverage
Lake Huron Medical Center is committed to providing accessible, affordable
health care services to its community. In keeping with this goal, we have
developed a variety of financial options aimed at addressing the needs
of patients without insurance coverage. Some of these options are listed
below as well as links to other sources of information:
If your bill is paid in full within 45 days, we offer a 30 percent discount.
This discount does not apply to deductible and co-pay amounts or non-covered
services due to payer contractual agreements. Please call 1-800-494-5797
to discuss this opportunity.
Public Assistance Programs
Our financial counselors will work with you to determine if you may be
eligible for public assistance programs, such as Medicare, Medicaid, MOMs,
MI-CHILD; and provide resources to apply. You may walk in at your convenience,
call 810-985-1538 for an appointment, or visit the
Michigan Department of Human Services website.
HealthFirst Financing provides a longer-term loan program. Terms may extend
for up to 60 months. No credit check is required and the approval process
is quick and easy. This loan program is available for all hospital balances.
While there is an interest charge for the loan, St. Joseph Mercy Hospital
shares in the interest cost with you. An application can be completed at
healthfirstfinancial.com/patient and apply with program code STM6065. For more information call 1-800-494-5797.
Lake Huron Medical Center Care Program
Based on your individual circumstances, you may qualify for full or partial
assistance for medically necessary services. Our financial counselors
are here to help by assessing your qualification for the Mercy Care financial
support program. Evidence of financial need is required to qualify for
this support program.
Medigap - assistance with a Medicare-related issues and supplemental insurance
plans for additional coverage