Insurance and Financial Assistance Program

Insurance and Financial Assistance Program

Vascular Health Clinics is dedicated to ensuring patients understand the clinics's billing and insurance policies and financial assistance options.

Call to request an appointment or to refer a patient:
989-254-6427
 

Insurance

Before scheduling your clinic visit, check with your health insurance provider to see if you are covered and learn the specifics of your coverage. Insurance plans are agreements made between you and your insurer, and Vascular Health Clinics cannot ensure that an insurance provider will pay for your care. It is your responsibility to understand what types of coverage your health insurance provides and to be sure that you meet all requirements stipulated by your specific plan.

Your health insurance provider will be able to inform you of your level of coverage and what, if any, copayments, coinsurances, and deductibles will be your responsibility. If you do not contact your provider, you can ultimately be responsible for all or a large portion of your bill.

Managed Care and Prior Approvals

If you are enrolled in a managed care group, such as an HMO or PPO, you might need a referral from your primary care physician. Please contact your physician for authorization before your appointment, elective procedure, or admission to the hospital. Depending on your insurance provider, you might be required to pay a deductible or copayment. In some cases, a deposit can be required. An admitting office coordinator will discuss any deposit details with you.

Second Opinions

Before scheduling a second-opinion consultation at Vascular Health Clinics, be certain to discuss second-opinion requirements with your insurance company, who can tell you if precertification is required.

Uninsured Patients

Uninsured or underinsured patients can also be eligible for financial assistance through Vascular Health Clinics Office of Patient Financial Services (see below).

Resources

Financial Access Unit
The Financial Access Unit will verify insurance coverage and benefits for patients who have been scheduled for a procedure or hospital stay. The Financial Access Unit also works directly with insurance companies to confirm that all required referrals and authorizations have been approved prior a patient’s visit. Contact the Financial Access Unit at 989-254-6427 if you have any insurance authorization questions or concerns.

Patient Financial Services 
Vascular Health Clinics offers several programs for patients who are underinsured or who do not have any insurance coverage. To speak with Patient Financial Services, call 989-254-6427.

Financial Assistance

Discounts

If you have medical bills because you do not have insurance, or because your health insurance did not cover your care, you may qualify for a discount. A paper application along with supporting documentation may be required. There are two types of discounts:

  1. If your bills are for an emergency and related follow-up medical care, then you may be able to get a 70% to 100% discount if you do not qualify for any state programs. The discount amount will depend on your household income.* 
  2. You may get a 25% discount on any medical bills if you pay (or set up a payment plan) within 2 months of the date on your first bill. 

Important: Many health care bills are for co-payments, co-insurance, or deductibles that are required as part of your health insurance. We DO NOT discount those bills. 

Payment Plans

You may set up a zero interest monthly payment plan for any bill, even a bill for a health insurance co-payment, co-insurance, or deductible.


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