Financial Assistance Policy

Patient Financial Services is Here to Help

If you’re having trouble paying your medical bill, our Patient Financial Services team may be able to help. You can check if you qualify for a sliding fee discount or a reduced cost for care. We look at your income and expenses to find an adjusted income amount. Then, we use that along with your family size to decide how much of a discount you can receive. Please reach out to see what options are available.

It is the policy of Schoolcraft Memorial Hospital (SMH) to provide medically necessary services to all patients regardless of ability to pay. SMH offers various financial assistance programs based on income and household size. The goal of the Business Office is to help all patients understand their medical bills, collect insurance dollars in a timely fashion, and work with patients on any remaining balances.

This policy outlines financial assistance programs as well as available payment plans to all SMH patients. SMH does not charge interest on any outstanding balances. The Business Office will work with patients to set up the most fair and equitable payment plan for both the hospital and the patient.

SMH will make available to all patients a copy of the Patient Financial Assistance policy and the Sliding Fee Scale Application upon admission. Financial assistance brochures will be available in the hospital admission offices and lobbies. In addition, the Patient Financial Counselor will educate the public whenever possible during the year by participating in a variety of events such as health fairs and county resource events.

Patient Financial Services can be contacted at (906) 341-3230.

All financial assistance programs are available to patients of all SMH providers. A complete listing of SMH providers may be found at: https://scmh.org/patientvisitor-info/find-a-provider/

Download our Patient Financial Services Brochure Online

SLIDING FEE SCALE

Download Our Sliding Fee Scale Application

Schoolcraft Memorial Hospital provides a sliding fee discount for uninsured or underinsured patients. Program eligibility is determined by income and household size.

The sliding fee scale program is designed to provide discounted care to reduce/eliminate financial barrier for those who have no means, or limited means, to pay for their medical services. Patients are entitled to financial counseling by the Patient Financial Services Representative who serves as a patient advocate.

Schoolcraft Memorial Hospital will offer a sliding fee discount program to all who are unable to pay for healthcare services provided by SMH. SMH will base program eligibility on a person’s ability to pay and will not discriminate on the basis of age, gender, race, sexual orientation, creed, religion, disability, or national origin.

Below are the requirements for this program:

1. Patient’s total household income must not exceed 300% of the National Federal Poverty Guidelines.

2. Patients must fill out and return the Sliding Fee Scale application and submit all required documentation.

MEDICALLY INDIGENT

“Medically Indigent” means persons whom the hospital has determined are unable to pay some or all of their medical bills because their medical bills exceed a certain percentage of their family or household income or assets (for example, due to catastrophic costs or conditions), even though they have income or assets that otherwise exceed the generally applicable eligibility requirements for free or discounted care under the organization’s Financial Assistance Policy.

UNINSURED HOSPITAL DISCOUNT

SMH will provide any uninsured patient an “uninsured discount” for medically necessary or emergency services.

Patients will be advised on their first statement to contact Patient Financial Services to set up a payment plan for the remaining balance.

ACTIONS FOR UNPAID ACCOUNTS

SMH will work with patients to set up payment plans for the patient portion of their medical bill. Hospital statements are sent out on a monthly cycle. If a patient makes no payments after five statements, the account will be placed with a collection agency. SMH will make every effort throughout this process to contact the patient.

For patients unable to pay the balance due upon receipt, interest-free payment plans may be extended. Arrangements for such payment plans must be made with Schoolcraft Memorial Hospital Patient Financial Services (PFS) by calling or self-service on the Schoolcraft Memorial Hospital website at SCMH.ORG, via text, email, or SMH statement. If a patient fails to make any payments or pays less than the agreed amount after six statements, the account will be referred to a collection agency.

If a Schoolcraft Memorial patient or patient guarantor with an existing subsequently receives services at Schoolcraft Memorial Hospital and incurs additional self-pay balances, the patient or patient’s guarantor’s current payment plan may be revised to account for the additional charges.

Payment plans are available to patient or the guarantors who qualify for less than 100% financial assistance but are unable to pay the balance in full. These payment plans will be subject to the same rules applicable to patients or guarantors who do not qualify for any financial assistance.

 

Files for Download

Patient Financial Assistance Policy – 2025

Sliding Fee Scale Application – 2025

Plain Language Summary

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Rural Health Clinic Scheduling Office - Schoolcraft Memorial Hospital
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Rural Health Clinic Scheduling Office - Schoolcraft Memorial Hospital
Rural Health Clinic Scheduling Office - Schoolcraft Memorial Hospital
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Read what Patients have to say about Schoolcraft Memorial Hospital

Everyone in the ambulatory care/outpatient surgery were great!! They all made me feel very comfortable and did a great job!!! thank you to the whole outpatient staff and Doctor Rayner..I would recommend Schoolcraft or patient to anyone in need of surgery

Reviewer: Jeremy Sitkoski

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5 out of 5 stars

The care that was provided by The nurses (Cindy, Felicia Ruth) and staff was exceptional. The entire staff was very friendly and made you feel welcome. We received a call from Felicia the next day to check on my husband to check his pain level and do a follow up. The surgery area from check in to check out was well organized, clean, and up to date. Thank you to all of you for what you do so well and everything beyond your normal duties.

Reviewer: Maureen DesChamps

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5 out of 5 stars

Dr. Ranier did a tonsilectomy for our daughter. He and his staff were so kind and caring that our daughter fell in love with them all
I met Dr. Vix in the Emergency Room and he is the best doctor I've ever seen. His bedside manner is so kind, gentle, amd reassuring. He took his time and really made me feel listened to. He explained his treatment decisions and logic clearly, and left room to ask questions. He made sure that I understood and agreed with it before doing anything. He was very kind, and he and all the staff were very caring about my comfort while waiting.
I've been very pleased so far working with Dr Bambach, and really the whole staff at Schoolcraft.
Dr houve is great so is his nurse Cleo
Doctor Hoeve is very compassionate and very thorough. He listens and answers all of your questions. Never rushes through the appointments. We are fortunate to have him here in Manistique.
Very professional,friendly and caring. Made my stay very comfortable.
Excellent Doctor
Listened to my concerns and gave me options to help with my problems
Simply the best!!
I had my first visit with Andrew Anderson. He was very knowledgeable and took time to answer all my questions. He was up on all new meds for my condition and side effects. Definitely a good experience.
Dr. Rayner explained everything very well and the procedure was painless.
Wonderful very understanding
All went well with the visit.
After 5 years of suffering this serious buzzing inside my head...from a severe case of covid in 2019...the same covid the ceo of Texas roadhouse caught also...he had buzzing in his head so bad it was tinnitus....well look the story up c how the outcome was for him.....now for myself I've been suffering for so long with no answers also....its ruining my life....so I heard Dr.Raynor has years of experience and practiced at mayo clinic and I felt with those credentials I could finally get some answers...I did get some...he gave me a hearing test...and like I've been saying for years ,I'm not hearing it...it's inside my head....I've been laughed at...made fun of in my home town from friends and family saying I'm crazy....so now because of Dr Raynor I at least know now I'm not hearing it....so Dr Raynor is suggesting the next step taking a brain scan...mri...and I'm so excited finally someone is taking me seriously and taking steps to get to the bottom of it! And that's all I want is it to go away....I didn't ask for this...I didn't ask for 2 bouts of covid where I was brought to the brink of death both times...fired from my job by the same clueless foreman...that also thought I was crazy and it was just me being useless on the job...when I was struggling and fighting to hold on to my morgage...my livelihood...only to be fired and refusing to believe that covid was even real....it's real....so Dr Raynor is the first Dr to take me seriously....he also recommended acupuncture!... I'll try anything at this point...so you asked me how my experience was at school craft memorial hospital...is I rate it as a 10.....and want to thank Dr Raynor and his staff...they where very welcoming and nurse Kelly was the first person I talked to and she was compassionate and understanding the suffering I was going threw after I told her this big long debacle of a story...she encouraged me to get services to help me cause I had no where to turn after being fired 2 times....I have a hard time focusing and thinking just to get threw every day...trying to ignore this stupid buzzing....so yes after getting off the phone with nurse Kelly and she told me thar Dr Rayner was the best I finally after 5 years had some hope and she said they would get to the bottom of this problem and after visiting the facilities and taking seriously for once...I feel there is hope now....Thankyou!
They did amazing and gave me answers really fast
Was very comfortable with Jen Casey. Very personable and she explained things so thoroughly. I feel confident in her dealing withy heart issues! Thank you, Jen!
Dr. Rayner and his team were fantastic with my surgery!!
It was wonderful. She took time to listen and answered all my questions. Made me feel very good to be treated so well.
Smooth visit. Great care as always.
Dr Raynor was thorough, explained things regarding my treatment in an unhurried manner. Dr Raynor answered all my questions completely and treated me with respect and concern. I feel I will be well cared for and am confident that I’ve chosen an excellent surgeon.
Doc has an awesome bedside manner and quickly diagnosed my issue