Detailed Answer

Disclaimer: This article is for informational purposes only. It does not constitute legal advice.

1. Understand Billing and Insurance Options

Before you receive care, ask your provider for a written cost estimate. Under the Michigan No-Fault Act, health care providers and insurers must supply an itemized statement of services upon request (MCL 500.3113). Uninsured patients can also request a “Good Faith Estimate” under federal law for expected charges. Compare estimates from multiple providers before scheduling non-emergency procedures.

2. Explore Public and Low-Cost Programs

Michigan offers medical assistance programs for low-income residents:

• Healthy Michigan Plan: Provides comprehensive coverage for eligible adults. See MDHHS Healthy Michigan Plan and definitions under MCL 400.105.
• Community Health Centers: Federally Qualified Health Centers offer sliding-fee services based on income. Licensed under MCL 333.2221.
• Free Clinics: Nonprofit and faith-based clinics may provide basic primary care at no cost.

3. Negotiate and Set Up Payment Plans

Many hospitals and specialists offer sliding scales or interest-free payment plans. Contact the billing department early. Put any payment agreement in writing to avoid unexpected balance billing.

4. Document All Care and Costs

Keep copies of every invoice, receipt, and correspondence:

• Itemized bills listing each service and charge.
• Explanation of Benefits (EOB) from your insurer.
• Written cost estimates and payment agreements.
• Records of calls or emails about billing.

Accurate records help prove eligibility for assistance programs and can support disputes over billing errors.

5. Consider Alternative Funding

Explore tax-advantaged accounts:

• Health Savings Accounts (HSAs): Pre-tax dollars can pay qualified medical expenses.
• Flexible Spending Accounts (FSAs): Employer-sponsored accounts for out-of-pocket costs.

Family members and charitable foundations sometimes offer grants or loans for medical bills.

Helpful Hints

• Ask for a written Good Faith Estimate at least 10 days before non-emergency care.
• Verify network status to avoid higher out-of-network fees.
• Check eligibility for state programs before incurring large bills.
• Use online patient portals to download and archive bills and records.
• Always get payment agreements and negotiations in writing.