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Financial Policy


Concerned about the cost of surgery?

Spectrum Health Lakeland is working hard to provide pricing information to help patients and their families make informed health care decisions before they have a procedure. We understand there is a lot to consider when having a financial conversation about your health care. For more information about price estimates, click here

We also have financial counselors available who can:

  • Answer questions about your bill
  • Assist with financial assistance applications
  • Complete Health Exchange/Medicaid application
  • Provide estimates for future services
  • Set up low-interest payment plans

To connect with a financial counselor, call 844.408-4103, option 1 or email

Learn more about preparing for the cost of surgery in the video below:


Professional fees, payments, and billing

Billing an individual’s insurance company is a courtesy provided by this practice because we want to limit your financial stress. Please be aware that your plan may have a deductible and/or require a co-pay at each visit. This is your responsibility.

We will ask and expect to receive your co-payment at the time of service, prior to you seeing a medical provider. If the appointment is for a minor, the adult accompanying the child is responsible for payment.

We accept cash, most credit cards, and personal checks.

Your insurance policy is a contract made between you and the insurance company. This medical practice is not a part of that contractual agreement. You are encouraged to contact your insurance company to confirm benefits. You are responsible for any and all charges that your insurance does not pay.

Follow these steps before your appointment:

  • Make sure your insurance is accepted at our practice.
  • Determine which services are covered by your plan.
  • Use your legal name for all insurance information and medical record transactions.
  • Bring your insurance card to each appointment. If you are covered by two insurance companies, present both cards at registration.
  • Patients who participate in Medicaid must present a current form of identification.
  • Contact your insurance company if you have questions about eligibility for claim denials.
  • Cases that involve automobile accidents and Workers’ Compensation require written or verbal authorization prior to treatment.