Thank you for choosing Lakeland for your health care needs
You are the most important part of Spectrum Health Lakeland. 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 Spectrum Health Lakeland 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.
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 verification of your income and assets.
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.
How to Contact Us
Patient Financial Services Customer Service
General billing questions, payment arrangements, and requests for financial assistance
866.814.7275 or 269.428.5007
Monday – Friday, 8 a.m. to 8 p.m.
Patient Financial Counselor
Estimates: 833.968.0922
Financial Assistance: 844.408.4103
Patient Financial Counselor Locations:
- BellaNova Women’s Health
- Lakeland General Surgery, Niles
- Spectrum Health Lakeland Watervliet Hospital
- Spectrum Health Lakeland Medical Center
- Lakeland Urology, St. Joseph
- Southwestern Medical Clinic Center for Women’s Health, Niles
- Southwestern Medical Clinic Surgical Specialties