Uninsured

Spectrum Health believes health care services should be accessible to everyone. If you are one of the millions of Americans without insurance, a Spectrum Health representative can help. We will work with you to determine if you are eligible for financial assistance. There are several ways you can pay your bill, and we'll help find the right one for your financial needs.

Self-Pay

Spectrum Health offers a variety of options to help you pay the balance of your bill after your insurance provider has contributed. Payment is due in full within 30 days of receiving the first bill from Spectrum Health. We accept cash, checks, money orders and all major credit cards.

If you can't pay the balance within 30 days, call our customer service representatives during the week at (616) 391-1730 or (800) 968-0145 to arrange a payment plan. We can offer discounts for prompt payment as well as interest-free financing. You can pay your bill with affordable monthly installments through a revolving line of credit.

Financial Assistance

We can assist you in applying for state Medicaid assistance, local county agency assistance, federal or other charitable programs. Spectrum Health also may reduce or eliminate patient financial responsibility for medically necessary and appropriate treatment where the patient qualifies under financial hardship guidelines. Determination of financial hardship is based upon a percentage of established Federal Poverty Income Guidelines, household income and assets.

To apply for financial assistance per the Spectrum Health Financial Assistance Eligibility Policy, you will need to complete a written application and provide any information that is reasonably necessary to verify your financial information. Any patient in need of information on how to apply for financial assistance should call Patient Financial Services at 616.774.1710 or toll-free at 800.968.0145, Monday through Friday, from 8am to 6pm. 

Confidential Financial Statement (PDF, 80KB)

Returned Checks

Spectrum Health uses the Central Billing Office, a division of Allied Business Services, to handle checks returned for nonsufficient funds and closed accounts. You could be charged $25 for returned checks. For more information, call (616) 741-6515.

Contact Us

For insurance policy questions about specific covered or noncovered charges, contact your insurance carrier. To speak to a customer satisfaction representative, call (616) 774-1710 or (800) 968-0145.