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Billing & Insurance


Patient Financial Services

Financial Counseling

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St. Joseph Mercy Port Huron wants to help you understand the billing process and resources available to you. Patient Financial Services is here to help you understand your hospital bill and to explain options if you are unable to pay for the services you need.

The Basics
If You Have Insurance Coverage
      When is payment due?
      What is “Under-insured”?
If You Do NOT Have Insurance Coverage
      • Self-Pay Discounts
      • Public Assistance Programs
      • HealthFirst Financing
      • Mercy Care Program
Additional Resources

The Basics
Always bring your identification and insurance card when coming to the hospital for services. St. Joseph Mercy Hospital is dedicated to protecting the integrity of your medical record and your financial security. We ask for proof of identity at every patient encounter.

Hospital charges are summarized into categories of charges on your bill, such as laboratory, radiology, or supplies. Physicians and other professional providers bill their fees separately from the hospital. You may receive more than one bill from other professionals who assisted with your treatment (i.e. radiologists, anesthesiologists, ER physicians, pathologists).

If You Have Insurance Coverage
Most insurance contracts are between an employer group and an insurance company, although some plans cover an individual subscriber or a family.

St. Joseph Mercy Hospital will bill your insurance company directly. You, however, are ultimately responsible for all charges and we may request your assistance if your claim is denied by your insurer.

When is payment due?
Most insurance plans include a patient responsibility portion. In accordance with your insurance plan, we expect the portion that is the patient’s responsibility to be paid at the time of service unless other payment arrangements have been made.

These payments could include deductibles, co-pays, co-insurance, fees for non-emergent, non-covered services and cosmetic surgery, and past due balances on outstanding accounts.

We accept the following forms of payment:
Cash, Check, Debit Card, Credit Card: Visa, MasterCard, Discover, American Express or online.  

We also have an interest-free payment plan available for up to 3 months. If you require extended terms, we will assist you in setting up a longer-term loan with very favorable interest rates.

What is “Under-insured”?
While many patients have some healthcare insurance coverage, very often there is limited coverage between the plan and what is needed to meet the healthcare needs of the patient. Often, this requires a patient to pay a large amount for services. 

If you cannot afford to pay this amount, you may qualify for options listed below. Please contact a Financial Counselor to discuss these options at 810-985-1538.

If You Do NOT Have Insurance Coverage
St Joseph Mercy Hospital is committed to providing accessible, affordable health care services to its community. In keeping with this goal, we have developed a variety of financial options aimed at addressing the needs of patients without insurance coverage.

Some of these options are listed below as well as links to other sources of information:

Self-Pay Discounts
• Paid in full within 45 days, we offer a 30 percent discount.

This discount does not apply to deductible and co-pay amounts or non-covered services due to payer contractual agreements. Please call 1-800-494-5797 to discuss this opportunity.

Public Assistance Programs
Our financial counselors will work with you to determine if you may be eligible for public assistance programs, such as Medicare, Medicaid, MOMs, MI-CHILD; and provide resources to apply. You may walk in at your convenience, call  810-985-1538  for an appointment, or visit the Department of Human Services.

HealthFirst Financing
HealthFirst Financing provides a longer-term loan program. Terms may extend for up to 60 months. No credit check is required and the approval process is quick and easy. This loan program is available for all hospital balances. While there is an interest charge for the loan, St. Joseph Mercy Hospital shares in the interest cost with you. An application can be completed at and apply with program code STM6065. For more information call 1-800-494-5797.

Mercy Care Program
Based on your individual circumstances, you may qualify for full or partial assistance for medically necessary services. Our financial counselors are here to help by assessing your qualification for the Mercy Care financial support program. Evidence of financial need is required to qualify for this support program. St. Joseph Mercy Care Application (coming soon)

Additional Resources
Department of Human Services
Medigap - assistance with a Medicare-related issues and supplemental insurance plans for additional coverage

A Member of Trinity Health
© 2015 Trinity Health

St. Joseph Mercy Port Huron | 2601 Electric Avenue, Port Huron, Michigan 48060 | 810-985-1500