Your Financial Responsibility

Before you receive care at Henry Ford Health System it is important to understand that, though much of your care may be covered by insurance, you are still responsible for your out-of-pocket responsibility. Knowing what those costs may be and having a plan to pay will save you stress later.

Need help understanding your financial responsibility? Contact a Customer Service Representative at 1-800-999-5829 Monday - Thursday from 7 a.m. to 6 p.m. and Fridays from 7 a.m. to 5 p.m.

Download our Full Payment Policies

What can I expect to pay at my visit? 

You are responsible to pay for most services at the time of care, with a few exceptions. This includes any deposits and most co-pays. To find out your expected payment, contact your insurance provider or speak to one of our billing customer service representatives at 1-800-999-5829, Monday - Thursday: 7 a.m. to 6 p.m. and Fridays: 7 a.m. to 5 p.m.

Bring to your visit:

  • A current photo ID
  • Your health insurance card(s)
  • Payment for your deposit, co-pay, deductible and any services that are not covered by your health insurance plan. In-person accepted payment methods: cash, check, money order, Visa, MasterCard, Discover, American Express.

When payment is not expected at the time of visit:

In some cases, payment is not expected at the time of service:

  • Emergency room visits -  For true medical emergencies, Henry Ford Health System provides care, no matter your ability to pay at the time services are provided.
  • You have more than one insurance plan - If you are covered by more than one insurance plan, we must bill both insurance plans before collecting the co-pay.
  • Your deductibles and charges not are covered by insurance - We must allow the insurance to process before we know the amount of the deductible owed or what is not covered by insurance.

Understand your insurance coverage

It is your responsibility to understand your plan’s specific rules regarding covered services, approved providers, referrals, authorizations and out-of-pocket payments. 

  • Make sure your plan is on our list of insurance plans accepted. If you are enrolled in a health insurance plan that does not contract with Henry Ford Hospital and Medical Centers, you can still see a Henry Ford Medical Group doctor with an approved referral and/or authorization. 
  • It is important to have your correct insurance information on file to help us correctly bill your insurance. You will be responsible for any charges incurred if the information provided is not correct.
  • Call your health plan to discuss what is covered and is not before your procedure or visit. There may also be certain procedures that require prior authorization, referrals, etc.
  • Medicare may not cover all of the services that your doctor recommends. You will be informed ahead of time and given an Advanced Beneficiary Notice (ABN) explaining which services are not covered.

What if I do not have insurance?

Patients with no insurance (self-pay patients) are required to make deposits before services are rendered, except in the event of an emergency. We describe Self-Pay as:

  • A patient who cannot provide proof of valid health insurance and there is none on file.
  • A patient who requests health services that are not covered by his or her insurer
  • A patient who is enrolled in a health plan that is not accepted and does not have a required referral or authorization.

If you are paying out-of-pocket, do not have insurance, or if you are seeking care at Henry Ford Health System for services not covered by your health plan, it is expected that these costs are paid before services are provided. If you do not make a deposit before your scheduled, non-emergency outpatient visit, or you have not made a payment plan with one of our financial counselors your office visit will be rescheduled.

Self-pay patient deposits

Office visits

$125 deposit before each visit

Treatment/procedure

100% of estimated charges

Diagnostic testing

100% of estimated charges

Our pricing specialists can help give you a good idea of what your cost will be for a certain service. Call (888) 455-2678 or send an email. View pricing estimates

Paying your bill

You are expected to pay your balance in full within 20 days of when you receive your bill. 

What if I cannot pay?

  • If you owe additional money after your visit, you will receive a billing statement. All balances are due in full within 20 days of the date on your billing statement.
  • If you cannot pay the balance in full within 20 days, please contact our Customer Service Department at 1-800-999-5829 Monday - Friday 8:30 am to 5:00 pm to see if you qualify for other payment options or financial assistance.
  • Any unpaid balance must be paid by the due date on your billing statement or your bill will be turned over to a debt collector. Non-payment may affect your ability to schedule future appointments.

Refunds

 If you make an overpayment on your account, the overpayment will be applied to your outstanding balance. If there is no outstanding balance, the overpayment will be refunded to you by mail.