Insurance, Billing & Financial Assistance
For your first visit with us, please bring a driver’s license or valid ID card, along with current health insurance and prescription cards.
Most insurance companies require the patient to share in the cost of medical care. When a physician prescribes any type of treatment or medication, the patient or patient’s legal guardian should expect to pay a part of the cost.
Forms of patient responsibility are usually divided into three groups:
- Deductible – the fixed annual amount that your health plan expects you to pay before your coverage kicks in. Typical deductible amounts are $500, $1,000 or $5,000 per person or family.
- Co-insurance – the percentage that your insurance does not cover. Traditional plans pay 70% to 90%. Co-insurance is the percentage remaining after your health plan has made their payment.
- Co-payment – an on-going responsibility for the patient to pay. Your plan may require you to pay $20, $30 or $50 for each time you see the physician or are treated by our office.
- Pre-Authorization – We make every effort to obtain pre-authorization for treatments and medications, which are prescribed by our doctors.
Many plans offer what is known as an out-of-pocket maximum. This is an amount that is fixed by your insurance company to insure that you are not required to pay a catastrophic dollar amount from your own pocket. Ask your insurance company to furnish you with the specific amount as it applies to your policy.
The financial burden of cancer care can be one of the most overwhelming hurdles for some patients. WMCC is committed to providing high-quality healthcare for all patients and will do everything we can to help you access resources and navigate the financial aspect of your treatment. We have a dedicated team of financial counselors who have helped many families through their time of crisis, and we are ready to support you through your journey.
Insurance can be complex and intimidating. Our financial counselors can help understand insurance, apply for financial assistance, open enrollment process, and more. Cancer is expensive, and our trained staff are here to help you and your loved one by providing guidance and assistance to mitigate the financial burdens of cancer care.
If you do not have insurance or your Medicaid is pending, please contact a Patient Financial Counselor before your first visit. The telephone number is 269.384.8679 or 800.999.9748 (within Michigan). Reach us by e-mail at: firstname.lastname@example.org.
You may also visit us in person at West Michigan Cancer Center. Our department is on the 1st floor. Our on-site financial counselors are ready to answer any questions you may have concerning payment or insurance. They are experts in finding solutions and sorting through red tape. In addition, they can determine if you qualify for programs that provide financial assistance.
West Michigan Cancer Center has aggressively pursued relationships with all major health insurance providers in order to assure that every patient has access to treatment, regardless of cost.
We participate with many insurance providers including the following but not limited to:
- Blue Care Network
- Blue Cross Blue Shield
- Blue Choice
- CareSource (Medicaid)
- Coventry Health Plan (Medicaid)
- Health Scope
- McLaren Medicaid
- Medicare Advantage Plans
- Multi Plan
- PHCS Private
- Healthcare Systems
- Priority Health
- Railroad Medicare