In compliance with Centers for Medicare and Medicaid Services (CMS), Arbor Health has posted several files describing our charges. The above price list (Chargemaster) is provided containing our hospital standard charges. Standard charges are the same for all patients, but a patient's responsibility may vary, depending on payment plans negotiated with individual health insurers. Uninsured or underinsured patients should consult with our patient access staff to determine whether they qualify for discounts. These prices are correct as of 1/1/2020. Inpatient charges may vary from the hospital price list, due to a variety of reasons including, but not limited to, medical complications. The Average Inpatient Charge presents the cumulative experience of inpatients at Arbor Health in Jan-Nov of 2019 at the MS-DRG level as prescribed by Medicare.
Arbor Health determines its standard charges for patient items and services through the use of a chargemaster system, which is a list of charges for the components of patient care that go into every patient's bill. These are the baseline rates for items and services provided at the Hospital. The chargemaster is similar in concept to the manufacturer's suggested retail price ("MSRP") on a particular product or good. The charges listed provide only a general starting point in determining the potential costs of an individual patient's care at the Hospital. This list does not reflect the actual out-of-pocket costs that may be paid by a patient for any particular service and the actual charges for items and services may vary.
Many factors may influence the actual cost of an item or service, including insurance coverage, rates negotiated with payors, and so on. Government payors, such as Medicare and Medicaid for example, do not pay the chargemaster rates, but rather have their own set rates that hospitals are obligated to accept. Commercial insurance payments are based on contract negotiations with payors and may or may not reflect the standard charges. The cost of treatment also may be impacted by variables involved in a patient's actual care, such as specific equipment or supplies required, the length of time spent in surgery or recovery, additional tests, or any changes in care or unexpected conditions or complications that arise. Moreover, the foregoing list of charges for services only includes charges from the Hospital. It does not reflect the charges for physicians, such as the surgeon, anesthesiologist, radiologist, pathologist, or other physician specialists or providers who may be involved in providing particular services to a patient. These charges are billed separately.
Arbor Health provides pricing information to help consumers understand and anticipate their financial responsibility and make informed choices about the care they received. If you have insurance, Arbor Health encourages you to consult with your health insurer to determine accurate information about your financial responsibility for a particular health care service provided by Arbor Health. Our patient access staff are prepared to assist you with that conversation. Arbor Health works with major payers to provide access to our facility to as many individuals as possible and our facility is in-network with most insurance companies. However please note that Arbor Health may be out-of-network for some products offered by the major insurance payers. To confirm your insurance provider or specific plan is contracted with Arbor Health contact your insurance provider or your clinic to confirm network status.
Please be aware that your insurance plan may allow you to go out-of-network with proper authorization. If your insurance provider or plan is out-of-network – please contact your clinic or patient access at Arbor Health to find out if an out-of-network authorization can be obtained.
If you are not covered by health insurance please contact us at Arbor Health as price posted on this site will not reflect the actual amount of your financial responsibility. Please see our Financial Assistance page to understand your options and to view the financial assistance plain language summary.