Understanding Your Bill

Hospital-Based Services and Provider-Based Billing

Each of Spectrum Health Lakeland’s hospitals offer both inpatient and outpatient services, including physician practices and outpatient departments that are not located on the main hospital campus. Although these locations are not physically attached to the hospital, they are still considered part of the hospital and are subject to the same quality, regulatory and accreditation standards as the hospital. You will know a location is part of the hospital if it is operated under the name of the hospital.

Hospital-based locations are subject to the same quality, regulatory and accreditation standards as the hospital. This allows for improved coordination of care, operational efficiencies, and collaboration across physician specialties.

As a part of the hospital, these medical practices are subject to “provider-based billing” requirements. Provider-based billing means there are two separate bills to your insurance company. The hospital bills for its “facility charges,” which cover any tests, procedures, supplies, and clinical and non-clinical staff. The physician, physician assistant, or nurse practitioner will separately bill for their professional services or “professional charges.”

Since all insurances have different benefits and out of pocket expenses, we encourage you to contact your insurance company prior to your appointment to discuss this.

Pay Your Bill Online and Other Payment Options

Methods of Payment

  • Online: We accept online payments using your MyChart account. You can also use MyChart to access account information, view statements, request payment plan, or send us billing questions.

    To set up a MyChart account online CLICK HERE, or call 1-800-LAKELAND (525-3526).

    A Lakeland representative will be available to assist you 24 hours a day.

    If you don't have a MyChart account you can pay a bill online as a guest CLICK HERE.

  • By Phone:
    (269) 428-5007 or (866) 814-7275
    Monday - Friday, 8:00 a.m. to 5:00 p.m. 

  • In person:
    Visit our cashiers at any Spectrum Health Lakeland facility to make a payment. Cashiers are located near the admitting and registration areas.

    We accept:
  • Cash
  • Personal checks (made payable to Lakeland Hospitals)
  • Travelers checks
  • Money orders
  • Credit cards (VISA, MasterCard, Discover)
  • By mail:
    Send payments by mail to:

    Spectrum Health Lakeland
    P.O. Box 410
    St. Joseph, MI 49085

Payment Policy

Payment in full is expected at the time of service for all uninsured patients and those with co-pays, coinsurance, or unmet deductible amounts for elective admissions and non-emergent outpatient services. Any additional balance not paid by the insurance company will be your responsibility.

What if I can't pay right now? 

We know that tough times happen. Our financial counselors are here to help, regardless of your situation. Spectrum Health Lakeland offer free services to assist with your billing needs. For more information, or to schedule a meeting, call 844.408.4103, option 1, Monday through Friday, 8 a.m. to 4:30 p.m. or learn more.

Contact Us

  • General Billing Questions
    (866) 814-7275 or (269) 428-5007
    Monday – Friday, 8:00 a.m. to 5:00 p.m.
  • Patient Accounts Customer Service
    Financial Advocates
    (269) 408-4103 or (844) 408-4103
  • Marie Yeager Cancer Center
    Financial Planner, Oncology Services (269) 556-7161
  • Pine Ridge: A Rehabilitation and Nursing Center
    (269) 934-4101
Worried about paying your bill? 
Learn how free financial counseling can work with you. 
Get financial help

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