Lakeland Health Care

Financial Services

Thank you for choosing Lakeland for your healthcare needs. You are the most important part of Lakeland HealthCare. Our purpose is to provide quality care and excellent service so that our patients and their families have the best experience possible.

Our financial services staff is here to help you and your family. If you have any questions about the payment guidelines below, please contact us.

Insurance Billing

It is important that you contact your insurance company to determine and initiate any precertification requirements.

We will file your insurance claim with your primary and secondary insurance companies if we receive all the required information and authorization. We will also assist you by sending requested information to your insurer. However, the responsibility remains yours to ensure that Lakeland HealthCare is paid for our services rendered to you. You are ultimately responsible for any unpaid balances.

If you believe there is an error in identifying your insurance coverage, please let us know immediately.

If insurance information is not provided at the time services are given, and you later supply us with this information, we will submit a claim to your insurance if it has been less than one year since your visit.

Because many insurance companies have strict notification and filing guidelines, the insurance company may deny your claim for failure to meet these requirements at the time of service. Should this be the case, you will be responsible for the unpaid portion of your bill.

Medicaid Eligibility

Lakeland works with MedAssist to help our patients who qualify for Medicaid obtain this coverage. The assistance is free when qualifying factors are met. Ask any Lakeland Financial Counselor for more information about eligibility requirements.

Financial Assistance

Financial assistance is available — on a limited, per account basis — to patients who are unable to pay their hospital bill. Assistance is based on income and assets using the federal poverty guidelines to determine eligibility. An application must be completed and returned to the Patient Accounts department along with verifications of your income and assets. For any questions about your account, including account balance, payment arrangements, and/or financial assistance, please call Patient Accounts Customer Services between 8:00 a.m. and 5:00 p.m. Monday through Friday at (866) 814-7275 or (269) 428-5007.

Physician Bills

In addition to your hospital bill, you may receive separate bills from one or more physician offices. Many physician specialists are not hospital employees, so it is necessary for them to bill for their services separately. These bills may cover services provided by doctors in the Emergency Department, and/or reading diagnostic tests, for example. If you have questions about a bill from a physician, call the number on the bill or contact the physician’s office. 

Frequently Asked Questions

How do I know what my insurance covers?

Not all services are covered by all insurance contracts. To find out what your plan covers, call the customer or member services department of your insurance company. The phone numbers are on your insurance card. Your employer, or the company your insurance is offered through, may be able to help answer this question.

Do I have to pay more if my insurance is out of network?

It is important that you understand your health insurance plan so you will be prepared for any medical expenses that may not be covered. If Lakeland is considered to be out of network by your health insurance provider, it is possible that you will be responsible for paying some or all of your medical expenses. Contact your health insurance plan to find out what you may be responsible for paying.

What if I disagree with a charge on my hospital bill?

Lakeland has a team of registered nurse auditors to ensure that we charge the same for each procedure or test, regardless of a patient’s financial status. Patients can request an audit of charges if they believe there is an error. Please understand that we will audit the entire account and not limit it to one specific charge. If we discover any errors on the account, we will correct them, regardless of whether they raise or lower the overall bill. It is our mission to charge and bill patients and insurers consistently and compliantly, and to abide by Medicare billing guidelines.

Payment Methods

By phone

(269) 428-5007 or (866) 814-7275

In person

Visit our cashiers at any Lakeland HealthCare facility to make a payment. Cashiers are located near the admitting and registration areas.

We accept:

  • Cash
  • Personal checks (made payable to Lakeland Hospitals)
  • Travelers checks
  • Money orders
  • Credit cards (VISA, MasterCard, Discover)


We accept online payments at:

Using MyChart, access account information, view statements, pay bills, request payment plan, or send us billing questions.

To set up a MyChart account, call 1-800-LAKELAND

By mail

Send payments by mail to:

Lakeland HealthCare
P.O. Box 410
St. Joseph, MI 49085

Payment Policy

Payment in full is expected at the time of service for all uninsured patients and those with co-pays, coinsurance, or unmet deductible amounts for elective admissions and non-emergent outpatient services. Any additional balance not paid by the insurance company will be your responsibility.

Estimates for Your Care:

In some cases, Lakeland can provide you with an estimate of the costs for your healthcare, including: surgery, CT scan, MRI scan, PET scan, or ultrasound. However, the final price may differ from the estimate depending on procedure time, supplies used, and separate physician charges.

In meeting your financial obligations for the care provided at Lakeland HealthCare, we ask that you work with us on any bills you are having difficulty paying. Our friendly staff is eager to help you.

If You Don’t Have Medical Insurance:

We request payment at the time of service or satisfactory payment arrangements made prior to service.

Lakeland provides emergency care regardless of the patient’s ability to pay.

If you are unable to pay for non-emergency services and do not have insurance, service or treatment may be deferred until acceptable payment arrangements can be made.

Prompt Pay Discount:

If you do not have insurance, you are eligible for a 20 percent discount if you pay the estimated portion of your bill at the time of service.

Contact Us

General Billing Questions
(866) 814-7275 or (269) 428-5007
Monday – Friday, 8:00 a.m. to 5:00 p.m.

Patient Accounts Customer Service
Lakeland Hospital, Niles
(269) 687-1415

Center for Outpatient Services, St. Joseph
Lakeland Hospital, Watervliet
Lakeland Medical Center, St. Joseph

  • Patients whose last names begin with A-H (269) 983-8320
  • Patients whose last names begin with I – O (269) 556-7173
  • Patients whose last names begin with P-Z (269) 985-4589

Lakeland Medical Practices
(866) 814-7275 or (269) 428-5007

Marie Yeager Cancer Center
Financial Planner, Oncology Services
(269) 556-7161

Pine Ridge: A Rehabilitation and Nursing Center
(269) 428-2258

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    Lakeland Medical Center, St. Joseph  
    Lakeland Hospital, Niles  
    Lakeland Hospital, Watervliet  
    Center for Outpatient Services, St. Joseph  

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© 2015   Lakeland HealthCare   1234 Napier Avenue   St. Joseph, Michigan 49085   1-800-968-0115
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