HJNH Billing Information
At Helen Newberry Joy Hospital (HNJH), we work with a variety of insurance providers to ensure our patients have access to the care they need.
Our participating insurance providers include:
- Blue Cross/Blue Shield of Michigan
- Blue Care Network
- Cigna
- Humana
- LMAS Breast & Cervical Program
- MI Health Link
- Tricare
- Medicaid
- Medicare
- Medicare Plus Blue
- United Health Care
- Upper Peninsula Health Plan (UPHP)
- Multiplan
- Champ VA
Here are the HNJH payment plan guidelines to help ensure individuals making payments avoid being sent to collections.
| Dollar Tier | Payment Plan Amount | Payment Plan Timeframe |
| $1,199.99 or Less | 10% of Starting Balance | 10 Months |
| $1,200 or Greater | 5% of Starting Balance | 20 Months |
If you are unable to make a payment based on the guidelines above, please contact us at 906-293-9123 or 906-293-9115 to discuss alternative arrangements.
For specific questions about your insurance, please reach out to our Billing Staff, listed on the right side of this page. If your insurance provider is not listed, contact our Patient Accounts team:
Phone: 906-293-9115
Phone: 906-293-9123
Billing Office Hours:
Monday through Friday: 8:00 AM – 4:30 PM
For general billing inquiries, call 906-293-9200 and ask for Patient Accounts.
Shoppable Services
Click below to download a list of our shoppable services.
frequently Asked Insurance Questions
What is a deductible?
A deductible is a set dollar amount that you pay before your insurance plan begins reimbursement. This amount is the patient’s responsibility.
What is a co-payment?
A co-payment is the portion of your healthcare expenses not covered by your insurance. This amount is also the patient’s responsibility.
What is co-insurance?
Co-insurance is a set percentage of the total charge of your healthcare expenses not covered by your insurance. This percentage is the patient’s responsibility.
What other bills may I receive?
In addition to the bill from HNJH, you may receive bills from doctors or other healthcare providers who delivered services to you.
Why didn't my insurance pay?
You will need to contact your insurance company or refer to your Explanation of Benefits (EOB) for more information.
Healthcare Financial Assistance
HNJH offers financial assistance to help uninsured or underinsured patients who may be unable to pay their healthcare bills. The program provides limited discounted services to those who qualify. For more information, please visit our Financial Assistance page.
For more information, please visit our Financial Assistance page.
Financial Assistance Resources
Patient Account Office Hours
Monday through Friday
8:00am – 4:30pm
Contact Us
906.293.9115 / 906.293.9123
Resources
Financial Application
Financial Assistance Plain Language Summary
Financial Assistance Policy