How often will I receive a Sparrow Statement?
Every month you’ll receive a statement that lists what your insurance company still owes and what you owe. Statements continue until all payments are made.
May I pay my bill with a credit card?
Yes. Sparrow accepts Discover, MasterCard, and Visa.
What other bills will I receive?
In addition to your bill from the hospital, you may receive bills from other physicians who may have provided services to you. For instance, you may receive bills from consulting physicians, surgeons, emergency room physicians, anesthesiologists, radiologists, or other specialists. Please contact their office directly if you have questions concerning their bills.
- Anesthesiology – 517.484.2777
- EKG (test interpretation) – 517.364.3278
- Emergency Services – 517.364.4149
- Imaging/Radiology (test interpretation) – 517.364.2300
- Surgery – Contact your surgeon’s office. If you have not selected a surgeon or need a referral, call 1.800.Sparrow or visit our Find a Doctor page.
Who is responsible for paying my bill?
You are ultimately responsible for making certain that your bill is paid. The hospital will bill your insurance company directly (unless you specify otherwise). If a balance remains after your insurance has issued a payment or a denial, payment is due immediately upon receipt of your statement.
What does “adjustment” mean on my bill?
“Adjustment” refers to the portion of your bill that the hospital or your doctor has agreed to not charge you based on contracts with your health insurance provider.
What if I cannot pay the amount I owe in full?
In many cases, we can help establish a payment plan. Partial payments made toward your balance will not stop collection activity unless you have made payment arrangements with us. Call 517.364.6740 to discuss payment options. Please see our Financial Assistance page for more information.
How do I know if Sparrow Hospital contracts with my health plan?
To receive full insurance benefits, some insurance providers require Patients to receive care through “in-network” or “participating provider” hospitals and physicians. Click here for a list of insurance plans and information on whether Sparrow is considered an “in-network” or “out-of-network” provider. Or, call your insurance provider directly to verify that Sparrow is in your network.
Your health plan may also:
- Require certain services to be authorized, or pre-certified, before you receive them
- Require you to notify them within a certain period of time after services are rendered
Find out your health plan’s requirements by reading the information given to you by your insurance provider or employer, or by calling your insurance provider directly.
You may also call a Sparrow Financial Assistance Specialist to discuss insurance payment concerns at 517.364.6740.
What insurance companies does Sparrow accept?
Click here for a list of insurance plans and whether Sparrow is considered an “in-network” or “out-of-network” provider. Or, call your insurance provider directly to verify that Sparrow is in your network.
Sparrow will file claims to any insurance company you authorize, but your employer and insurance company determines your level of coverage. An insurance contract between your insurance company and Sparrow doesn’t guarantee that your claims will be paid in full. You’re responsible for payment of services not authorized by your insurance company and any balance remaining after insurance payments and adjustments.
If Sparrow is “out-of-network,” may I still receive care at Sparrow?
Yes. In an emergency, always go to the closest hospital. Your insurance provider generally will cover emergency department costs or transfer you to an “in-network” hospital if it is safe to do so.
If you choose to go to an “out-of-network” hospital in a non-emergency, you may be required to pay a larger deductible or a greater portion of your bill. Call your insurance company to find out your health plan’s “out-of-network” options.
How will I know how much I owe?
Your health plan may require a co-payment or deductible that will be due during appointment registration. Check with your health plan for the amount that you will be responsible for at this time.
Following your healthcare services, your insurance provider will send you an Explanation of Benefits (EOB), which will detail the amount it has paid, any non-covered or denied amounts, and the remaining balance that you are responsible for paying to Sparrow.
Review this EOB, compare it to your Sparrow billing statement, and call your insurance provider or a Sparrow Financial Assistance Specialist if you have questions or concerns.
Can I receive an estimate for the cost of a procedure before I receive the service?
We can help you estimate your out-of-pocket costs for a medical procedure or service. Click here for more information on how to obtain a financial estimate.
Is there help if my health insurance does not cover my bills?
Yes. Patient Financial Assistance Specialists assist individuals and families that have health insurance but who need additional financial resources to cover medical bills. We can identify and help you apply for programs including Medicaid, Social Security, and other financial assistance.
What if I don’t have health insurance?
We can help you determine if you are eligible for government programs, a product on the Health Insurance Marketplace, or financial assistance through Sparrow’s Community Financial Aid program.
Please note: emergency services will never be delayed or withheld on the basis of a patient’s ability to pay.
For general care, if you do not have health insurance, call the Sparrow Patient Financial Services Department at 517.364.6740. The Patient Financial Assistance Specialist will review payment and financial assistance options that may be available to you. Discounts vary and are based on family income and size. To receive discounts and payment plans, or to apply for other financial aid programs, you will need to fill out an application and meet certain requirements.
2014 Federal Poverty Income Guidelines
Qualification for many assistance programs requires applicants to meet certain income guidelines based on their Federal Poverty Level (FPL).
2014 Poverty Guidelines for the 48 contiguous states and the District of Columbia
|Persons in family/household
For families/households with more than 8 persons, add $4,060 for each additional person.
I received a letter stating my account has been referred to a collection agency or collection attorney. Why was this done and what should I do?
Before an account is referred to a collection agency, you will receive at least two billing statements from Sparrow. You may also receive a phone call from our billing office. If you have not made a payment or payment arrangements after these steps have been taken, the account is referred to a collection agency. These agencies act under the direction of Sparrow. Once an account is placed with an outside collection agency, we ask that you work directly with the agency to resolve the balance.