Billing and Insurance

Billing, Insurance and FAQs

Good Faith Estimate

You have the right to receive a "Good Faith Estimate" explaining how much your medical care will cost.

Under the law, health care providers need to give patients who do not have insurance or who are not using insurance, an estimate of the bill for medical items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
  • If you schedule an appointment at least 3 business days in advance, make sure your health care provider gives you a Good Faith Estimate in writing. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an appointment.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit

Important Insurance Notice

Please read this notice if you have WellCare (Medicare Advantage) or Aetna/Cofinity (Commercial and Medicare Advantage) insurance plans: Insurance Changes_111921

If you are a patient with a WellCare insurance plan, please read this notice: Wellcare Letter 9-3-2021_Final


Hackley Community Care (HCC) participates with most insurance companies. Please call 231-733-6750 for more information.


Hackley Community Care staff provides assistance with the application and enrollment process in the Health Insurance Marketplace, Medicaid Programs and Sliding Fee Scale. All programs are based on your income and require that you bring in proof of income or tax return, along with a picture ID. If you do not have an income or do not file taxes you will need to explain how you support yourself. Patients will not be turned away due to the inability to pay.

Sliding Fee Scale

This program (not an insurance plan) is based on your family size and income and offers reduced fees to eligible HCC patients. Please be ready to present your picture ID and Sliding Fee Scale card at every visit.

Patient Payments

We ask that you be prepared to pay any copayments or deductibles at the time of service. We will send you an itemized statement for any fees not covered by your insurance. Payment arrangements may also be made with our billing staff. Call 231-733-6607 for assistance.

Auto Insurance

We will bill your auto insurance and request payment be sent to us. Please bring your auto insurance name, address, telephone number, contact person and claim number.

Workers Comp

We will bill your Workers Comp insurance and request payment be sent to us. Please bring your Workers Comp name, address, telephone number, contact person and claim number.

Billing and Insurance FAQs

1. If I have questions concerning my bill, who do I contact?
You can address all billing questions to our Billing Department by dialing (231) 733-6607. This information is also found under “Contact Information” on our website.


2. My bill says balance forward. What does that mean?

This term appears when a previous billing statement was mailed to you but was not paid in full. The balance outstanding is brought forward to the next billing statement.

3. What is a “guarantor”?

A guarantor is the person who is financially responsible for the bill. This might be the patient, the parent of the patient, a spouse, etc.

4. How do I know what my insurance will cover?

Before visiting any doctor, you should check with your insurance company to see what your financial obligation might be.

5. What if I don’t have insurance?

Payment options may be available to you. Your income will be assessed at your first appointment to see if you are eligible for our Sliding Fee Scale program. This program is based on your income and family size; please have this information available at your visit. The Sliding Fee Scale offers you a reduced fee for medical, dental, and pharmacy services. Hackley Community Care has also made special arrangements to provide limited optometry, x-ray, lab, and many other hospital services at a reduced fee for your convenience. Please contact our Patient Coordinator at (231) 733-6750 for further information about your options.

6. Why am I required to show my insurance card at every visit?

Insurance plan benefits, eligibility and billing addresses change frequently, so some carriers require us to verify your insurance each time you visit. Checking your card only takes a minute, and it can ensure accurate and timely billing.

7. How and where do I pay my bill?

Payments are always accepted in the office during business hours. See "Contact Information" for office hours. We accept Visa, MasterCard, debit cards and of course cash. We don’t accept personal checks. We will accept a money order mailed to the address on your statement.

8. I cannot afford my bill. Can I obtain financial assistance?

Contact our Outreach Coordinator at (231) 733-6614 for information on qualifying for special assistance. If you are already on our Sliding Fee Program or don’t qualify for our Sliding Fee Program, please contact our billing department at (231) 733-6607 for possible payment plan arrangements.