Insurance

Allegiance Health submits insurance claims for our patients, so it is important to keep us informed and updated about all your health insurance coverage. We encourage all patients to have complete insurance information at the time of registration or service.

Allegiance Health participates with many insurance companies, and we will submit claims for all insurances, whether Allegiance Health does or does not participate with the plan. However, it is the patient’s responsibility to provide complete and timely information so that claims may be accurately prepared and sent to the right address.

The list below identifies major plans with which Allegiance Health contracts, though there are others. If you have a question about a specific insurance, please contact us at (517) 788-4920 or check directly with your insurance carrier.

Major Participating Insurance Plans

  • Aetna
  • BlueCross BlueShield
  • Blue Care Network
  • Community Health Providers
  • Medicare
  • MI Medicaid
  • PHCS
  • Priority Health
  • PPOM

Traditional & PPO Plans

Allegiance Health is a participating provider with BlueCross BlueShield of Michigan. BCBSM patients will be billed only for deductibles, co-pays and non-covered charges. Any remaining balances for service will be billed to a patient’s secondary insurance. If you do not have secondary insurance, Allegiance Health requires you to pay any known deductibles and co-pays at the time of service.

Authorizations for Service

Many insurance plans require medical services to be authorized by a patient’s insurance company and/or physician before services are provided. Each insurance company’s policy varies regarding the type of services that need to be authorized and the kind of authorization required.

It is your responsibility to work with your insurance provider and/or physician to obtain any required authorizations. Allegiance Health will assist in this process whenever possible. In most cases, you will be responsible to pay for all services that are denied authorization.

Insurance Company Denial of Claims

If a medical claim is denied by your insurance plan and you believe the claim was denied in error, you have options to get the claim paid. You will need to contact your insurance carrier for a detailed explanation of the denial and ask about the appeal process to get a rejected claim paid. If your appeal is not successful, contact your employer or union for advice on your rights to further review the medical claim. Allegiance Health may request you to commit to a payment plan and begin paying while the claim is in appeal.

Auto Accidents

If you are ever injured as the result of a motor vehicle accident, you will be responsible for filing an accident claim with your auto insurance company. Because Michigan is a  “No Fault” state, residents are each covered by their own auto insurance, without regard for who may be liable in an accident. When receiving care for an injury related to a motor vehicle accident, you will need to provide Allegiance Health with your auto insurance information as well as your health insurance.  Any non-covered charges are your responsibility.

Workers’ Compensation

For patients injured at work, claims are sent directly to their employer or their employer's Worker's Compensation carrier. It is the patient's responsibility to make sure their employer completes both an accident claim and the appropriate Worker's Compensation forms.

The patient will also be asked to provide any group health insurance information. If Workers’ Compensation does not cover care, the group health plan will be billed on the patient’s behalf. If the Workers’ Compensation claim is disputed, the patient must notify Allegiance Health promptly.

Uninsured patients

If you are uninsured, you may choose to apply for the Medicaid program. Allegiance Health will assist you in applying for Medicaid. If you would like assistance or want further information, call (517) 798-5960.

Uncompensated Care program

A discount on the amount due may be available from the hospital for eligible patients. For eligibility information or an application, please call the Allegiance Business Office at (517) 788-4920.

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