Credit and Collection Policy

Effective September 1st, 2010 Munising Memorial Hospital implemented a new credit and collections policy. Click here to download the complete policy.

Policy Key Points

• Prompt Payment Discount
• Payment Arrangements
• Financial Assistance

If you need to apply for financial assistance please download the Financial Assistance Application. Please sign and mail this application to the hospital for our billing specialists to review. You can consult our Sliding Scale for Financial Assistance to see if you may qualify.

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Prompt Pay Discount

Munising Memorial Hospital offers a prompt pay discount to encourage earlier payment of outstanding balances. This reduced rate is hinged upon the patient making full payment or initiating a payment plan, depending upon the amount due. Both options require the patient to take action within 15 days of receiving the first billing statement.

For total charges less than $1000:

• If your balance due is less than $1000, you will receive a 10% discount if you pay the total balance within 15 days.

For total charges at/exceeding $1000:

• With a balance of $1000 or more, a 20% discount is available if you establish a payment plan within 15 days and the account is paid in full within 10 months.

Monthly Installments

If you have an account balance, you may pay using a monthly installment plan. A minimum payment must be made, based on the combined hospital/clinic balance due.

Balance	Minimum Payment
0-$250	$50/month
$251-500	$75/month
$501-$1000	$100/month
$1001 or more	10% of balance/monthly (max 10 months)

Billing Statement Schedule

All charges are due at the time of service. To aid in your payment, a monthly installment plan is available. That plan must be established sometime within the billing schedule. The timeline for billing depends upon whether you have insurance coverage or will be paying for services yourself. MMH will issue bills/statements on the following schedule:

For patients with Insurance

# days since visit	Action by Munising Memorial Hospital
15 days	bill sent to insurance
30-60 days	1st statement sent to patient
60-90 days	2nd statement sent to patient
90-120 days	3rd statement sent to patient
after 30 more days	account turned over to outside collection agency

For patients without Insurance

# days since visit	Action by Munising Memorial Hospital
at registration	Patient informed of financial assistance
15 days	1st statement sent to patient
45 days	2nd statement sent to patient
75 days	3rd statement sent to patient
105 days	3rd statement sent to patient
after 30 more days	account turned over to outside collection agency

Financial Assistance

MMH is committed to providing financial assistance to individuals whose income and assets are such that payment is simply not possible. If you have less than $100,000 in net assets and your income level falls in the categories below, you may be eligible for complete or partial reduction of fees.

# in Household	100% Poverty*	200% Poverty*
1	11,170	22,340
2	15,130	30,260
3	19,090	38,180
4	23,050	46,100
5	27,010	54,020

* Figures subject to change – call us for the most recent numbers

Patients must first exhaust other resources, including:

• group or individual medical plans
• worker's compensation
• Medicare, Medicaid, or other medical assistance
• other state/federal/military programs
• third-party liability or any situation where another person/entity has a legal responsibility to pay for your medical services

Services that qualify for financial assistance include:

• emergency medical services (provided in the ER)
• non-elective services provided in response to life-threatening circumstances
• medically-necessary services, evaluated on a case-by-case basis at MMH's discretion

If the items above accurately reflect your situation, ask a billing representative about financial assistance. You will be required to provide proper documentation to demonstrate need for assistance.