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Insurance and Billing


Pre-registration is necessary and should be completed by the end of your sixth month of pregnancy. Choose one of the following methods:

  • By mailing your completed Pre-Admission Questionnaire to us in the business reply envelope provided.
  • By calling the registration line at 734-712-7000 or 800-676-0437.
  • By coming to Patient Services in the Reichert Health Center, Suite 1109 (on the St. Joseph Mercy Hospital campus).

When your pre-registration is completed, we will contact your insurance company to verify your coverage. You may be responsible for obtaining insurance authorizations.


After your hospitalization, your insurance company will be billed. When that payment is received, you will receive a bill for any co-pays, deductibles, and charges not covered by your insurance. Your payment in full is expected within 90 days of your hospital stay. If your insurance company has not responded to our claim within 60 days, you will be responsible for paying the bill and obtaining reimbursement from your carrier when possible.

You or your insurance company will receive a separate bill for physician services (obstetrician, anesthesiologist, pediatrician).

There is a small charge on the Mother/Baby unit for the telephone and television. These charges must be paid before you leave the hospital.

Patient Financial Counselors 734-712-2009

Patient Financial Services can help you to handle the financial responsibilities for your hospital stay. They can answer billing questions, give an estimate of your balance and help make payment arrangements if needed. Counselors are available from 8 a.m. to 4 p.m., Monday through Friday and by calling 734-712-2009.

If you are unsure what services your insurance plan covers, please speak with your insurance company before you deliver.

St. Joseph Mercy Ann Arbor accepts these and other types of insurance carriers:

  • Blue Cross/Blue Shield of Michigan
  • Medicare
  • Medicaid
  • Care Choices HMO
  • Preferred Choices
  • HAP-HVPA Network
  • Commercial insurances (e.g., Aetna, Hartford) and several other preferred provider organizations (PPOs).

Individual policies and benefits may differ according to contracts with the hospital.

After your child’s birth, don’t forget to add your new baby to your insurance coverage. If both parents have a policy, the child will be covered first by the health care plan of the parent whose birthday falls earlier in the calendar year.

A Member of Trinity Health
© 2015 Trinity Health

St. Joseph Mercy Ann Arbor | 5301 McAuley Drive, Ypsilanti, MI 48197 | 734-712-3456