Shopping for Health Insurance?

Health Insurance Exchange Open Enrollment

Not all health insurance plans are the same. Multiple plans are available on the market. They differ by coverage level, provider network and in many other ways – making it hard to decide which plan is the right one for you and your family.

Our Financial Counselors can help guide you through the Exchange enrollment process. All of our Financial Counselors are Affordable Care Act (ACA) Certified Application Counselors. For more information, attend a free informational open house, read our FAQ or make an appointment with a Financial Counselor at a location near you.

Options for Uninsured


Spectrum Health believes health care services should be accessible to everyone. If you are one of the millions of Americans without insurance, a Spectrum Health representative can help. We will work with you to determine if you are eligible for financial assistance. There are several ways you can pay your bill, and we'll help find the right one for your financial needs.


Payment is due in full within 30 days of receiving the first bill from Spectrum Health per the Patient Responsible Balance Billing and Collection Policy (multiple languages).

We accept cash, checks, money orders and all major credit cards.

If you cannot pay the balance within 30 days, call our customer service representatives during the week at 844.838.3115 to arrange a payment plan.

Financial Assistance

We can assist you in applying for state Medicaid assistance, local county agency assistance, federal or other charitable programs. Spectrum Health also may reduce or eliminate patient financial responsibility for medically necessary and appropriate treatment where the patient qualifies under financial hardship guidelines. Determination of financial hardship is based upon a percentage of established Federal Poverty Income Guidelines, household income and assets.

To apply for financial assistance per the Spectrum Health Financial Assistance Eligibility Policy (multiple languages), you will need to complete a written application and provide any information that is reasonably necessary to verify your financial information. Any patient in need of information on how to apply for financial assistance should call the Financial Counseling department toll-free at 844.838.3115, Monday through Friday, from 8 a.m. to 6 p.m.

Confidential Financial Assistance Application (multiple languages)

Financial Assistance Eligibility Policy - Plain Language Summary (multiple languages)

Amounts Generally Billed Table

Contact Us

For insurance policy questions about specific covered or noncovered charges, contact your insurance carrier. To speak to a customer satisfaction representative, for for a free financial assistance assessment, call 844.838.3115.