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Billing & Insurance


Patient Financial Services

Financial Counseling

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St. Mary Mercy Hospital 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
      • Healthy Michigan Plan
      • Self-Pay Discounts
      • Public Assistance Programs
      • HealthFirst Financing
      • Financial Assistance - Community Care Program
Additional Resources

The Basics
Always bring your identification and insurance card when coming to the hospital for services.  St. Mary Mercy 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. Mary Mercy 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 734-655-1755.

If You Do NOT Have Insurance Coverage
St Mary Mercy 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:

Healthy Michigan Plan
Brochure | Eligibility Poster

Health Insurance Marketplace

Prompt-Pay Discount
Patients will receive a 10 percent discount off balances greater than $200, if paid within 30 days of billing. Please call 1-800-494-5797 to discuss this opportunity.  

Uninsured Discount
Uninsured patients above 400 percent of the Federal Poverty Level will receive an automatic 25 percent discount off charges.

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 734-655-1755 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. Mary Mercy shares in the interest cost with you.  An application can be completed at and apply with program code STM6065.

Financial Assistance – Community Care Program
St Mary Mercy Hospital does not refuse medically necessary or emergency care.  We provide assistance to low-income individuals and those with special health care expenses who live in our service area.

Which Services qualify
Community Care may be used for all medically necessary urgent or emergent hospital services including inpatient, emergency and outpatient services for residents within our service area.

Which Services Do Not Apply
Community Caredoes not include the following:

  • Cosmetic surgery
  • Services that are not medically necessary
  • Services to patients who qualify for county, state or federal assistance, other assistance programs or other health care coverage
  • Services that result froma patient going out of their insurance network
  • Balances due to insurance deductibles, co-pays or co-insurances

Based on your individual circumstances, you may qualify for full or partial assistance.  Our Financial Counselors are here to help by assessing your qualifications for the Community Care Program.  Evidence of financial need is required to qualify for this program.Financial Counselors can be reached Monday through Friday8:00 – 5:00 at 734.655.1755.

Download the Community Care application to apply for financial assistance.  The form requires your signature.  The completed form and supporting documents can be turned into the Financial Counseling office at St Mary MercyHospital.

Additional Resources
Department of Human Services
The Senior Alliance Area Agency on Aging 1-C
Medigap - assistance with Medicare-related issues and supplemental insurance plans for additional coverage




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St. Mary Mercy Livonia | 36475 Five Mile, Livonia, Michigan 48154 | 734-655-4800