Help With Health Care. Resources for the uninsured. Mid Michigan







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Health Care


Table of contents

Introduction ...2

How to get health insurance coverage in Michigan ...2

Overview... 2

Healthy Michigan Plan ... 4

Health Insurance Marketplace ... 6

How to find free and low cost health care services and other health care resources ...8

State and federal programs ... 8

Dental ... 11

Vision ... 12

Mental health and substance abuse services ... 13

Free and low cost health centers ... 15

Help lines and special programs ... 20

Additional resources ... 22

Understanding health insurance and how to access health care services ...22

5 costs that make up a health plan ... 22

Finding a doctor ... 23

Making the most of your appointment ... 23



Your health is important to us. That’s why we’ve developed this brochure, Help with Health Care, for people who are uninsured and need help with health care in Michigan. It’s designed to help you understand how to get health insurance coverage and find free and low cost health care services. It’s divided into three sections:

1. How to get health insurance coverage in Michigan

2. How to find free and low cost health care services and other health care resources in Michigan

3. Understanding health insurance and how to access health care services

This brochure includes services in the following counties:

Arenac, Bay, Clare, Clinton, Eaton, Genesee, Gladwin, Gratiot, Hillsdale, Huron, Ingham, Isabella, Jackson, Lapeer Lenawee, Livingston, Midland, Saginaw, Sanilac, Shiawassee and Tuscola.

How to get health insurance coverage

in Michigan

The Affordable Care Act gave more people the chance to get health coverage. In Michigan, you have many health plan choices. Although health reform is complex, many resources are available to help you understand it and find a plan that meets your needs and budget. If you have limited income, you may qualify for a tax credit or reduced cost-sharing through the Health Insurance Marketplace. Or, you may qualify for the Healthy Michigan Plan.

Reduced cost-sharing, also called a subsidy, lowers the amount you pay out of pocket for deductibles,


Did you know


Number of people in your family/ house-hold If your household income is in this range, you may be eligible for a premium tax credit through the Health Insurance Marketplace

If your household income is in this range, you may be eligible for reduced cost-sharing through the Health Insurance Marketplace 1 $16,106 – $46,680 $16,106 – $29,175 2 $21,708 – $62,920 $21,708 – $39,325 3 $27,311 – $79,160 $27,311 – $49,475 4 $32,914 – $95,400 $32,914 – $59,625 5 $38,517 – $111,640 $38,517 – $69,775 6 $44,120 – $127,880 $44,120 – $79,925 7 $49,722 – $144,120 $49,722 – $90,075 8 $55,325 – $160,360 $55,325 – $100,225

Income levels are based on the 2014 federal poverty guidelines. These guidelines are updated each year.

Premium tax credits help lower the cost of a monthly premium



1. The Healthy Michigan Plan

The Healthy Michigan Plan is the state’s new Medicaid option. This plan was created to expand Medicaid to more people. It provides health care benefits to Michigan residents at a low cost. To be eligible for the Healthy Michigan Plan you must be:

• Ages 19–64

• Not currently eligible for Medicaid

• Not eligible for or enrolled in Medicare

• Not pregnant when applying for the Healthy Michigan Plan

• Have income at or below 133% of the federal poverty level ($16,000 for a single person or $33,000 for a family of four)

• A resident of Michigan

The Healthy Michigan Plan includes many health care benefits and services covered under the federal health care law. This means it’s easier to get the health care you need at a cost you can afford. The Healthy Michigan Plan includes the following services:

• Doctors visits • Dental care

• Emergency visits • Hospitalization

• Lab services and fees • Maternity care

• Mental health and

substance abuse treatment • Prescription drugs

• Preventative and wellness treatment and chronic disease management

• Pediatric services for 19 to 20 year olds including dental and vision care

• Rehabilitation service and equipment

There are three easy ways to enroll in the Healthy Michigan Plan:

• Visit*

• Call the Michigan Health Care Hotline at 1-855-789-5610


After you enroll in a Healthy Michigan Plan, you will be asked to fill out a Health Risk Assessment Form. You may receive the form in the mail, or at your doctor’s office. The form is also online at* You should also make an appointment with your doctor. Together, you will go over the Health Risk Assessment Form. After the appointment, your doctor will sign the form and mail it back to your health plan. The form should be completed each year. The Healthy Michigan Plan has copays. After you are enrolled in a health plan, most copays will be paid through a special health care account called the MI Health Account. The monthly amount you pay will be based on the services you receive in the first six months. If you have an income between 100-133% of the federal poverty level, you will also be required to contribute a small amount of your yearly wages for cost sharing purposes. You will get more information about your MI Health Account, copays and contributions from your health plan. You can also see the chart of copayments below.

Covered services Copay

Physician office visits

(including free-standing urgent care centers) $ 2 Outpatient hospital clinic visit $ 1 Emergency room visit for non-emergency services

• Copayment ONLY applies to non-emergency services

• There is no co-payment for true emergency services

$ 3

Inpatient hospital stay

(with the exception of emergent admissions) $ 50

Pharmacy $ 1 generic

$ 3 brand

Chiropractic visits $ 1

Dental visits $ 3

Hearing aids $ 3 per aid

Podiatric visits $ 2


You can reduce your copays by working to improve your health. Copays are not required for certain services that help you get or stay healthy. These include preventive services and services that help you manage a chronic condition.

2. The Health Insurance Marketplace

The Health Insurance Marketplace is a government website. You can visit the Marketplace at* This is where you can shop for and compare health plans. You can apply for health coverage and tax credits. If your income is between 100 percent and 400 percent of the federal poverty level, you may be eligible for tax credits or a subsidy. This will help lower the cost of your health coverage. To get an estimate of the subsidy for which you might be eligible, go to

There are four types of plans available in the Marketplace:

• Bronze plans cover 60% of health care costs

• Silver plans cover 70% of health care costs

• Gold plans cover 80% of health care costs

• Platinum plans cover 90% of health care costs

To enroll in a plan on the Marketplace, you will need:

q Number of dependents. This is the

number of people you claimed on your last tax return.

q Social Security number(s) or immigration

document number(s).

q Estimated household income. This is the

yearly income for you and each of your dependents. This can be found on last year’s W-2 tax forms.

q Policy numbers for current insurance. Questions about health insurance or how to get coverage?

Reduced cost sharing is only available if people chose a silver plan. In some cases, it will be less expensive to choose a silver plan than a bronze plan.






If you have questions about health care reform, health plans and enrolling in coverage:

• Visit for information on health care reform

• Visit

for information on the health insurance marketplace

• Visit

for information on Blue Cross health plans and costs

• Visit

for information on educational sessions near you

• Call Blue Cross Blue Shield of Michigan at 1-855-269-9898 with any other questions

If you would like to speak with us in person, you can visit one of our 11 statewide walk-in centers. Visit insurance-help/locations.html and type in your ZIP code to find your nearest walk-in center.



Clare County Department of

Human Services

725 Richard Dr. Harrison, MI 48625 989-539-4260


Clinton County Department

of Human Services

105 Tolles Rd. St. Johns, MI 48879 989-224-3896


Eaton County Department of

Human Services

1050 Independence Blvd. Charlotte, MI 48813 517-543-0860

State and federal


The Michigan Department of Community Health has an online directory of free or low-cost health care services and resources at* Below you can find a list of health departments by county.


Arenac County Department

of Human Services

3709 Deep River Rd. Standish, MI 48658 989-846-5500


Bay County Department of

Human Services

1399 W. Center Rd. Essexville, MI 48732 989-895-2100

How to find free and low cost health care

services and other health care resources

If you have health insurance, please check with your health plan to see what providers are in your network. If you do not have insurance, below is a list of free or low-cost health care clinics by county. This may help you find local and low-cost health care near you. Please call ahead for hours, services offered or to make an appointment.



Gladwin County Department

of Human Services

675 E. Cedar Ave. Gladwin, MI 48624 989-426-3353


Gratiot County Department

of Human Services

201 Commerce Dr. Ithaca, MI 48847 989-875-2811


Hillsdale County Department

of Human Services

40 Care Dr. Hillsdale, MI 49242 517-439-2272


Huron County Department

of Human Services

1911 Sand Beach Rd. Bad Axe, MI 48413 989-269-9875


Ingham Community Health


5303 S. Cedar St. Lansing, MI 48911 517-887-4302


Isabella County Department

of Human Services

1919 Parkland Dr. Mt Pleasant, MI 48858 989-772-8400


Jackson County Department

of Human Services

301 E. Louis Glick Hwy. Jackson, MI 49201 517-780-7400


Lapeer County Department

of Human Services

1505 Suncrest Dr. Lapeer, MI 48446 810-667-0800



Lenawee County Department

of Human Services

1040 S. Winter St., Suite 3013 Adrian, MI 49221 517-264-6300


Livingston County Department

of Human Services

2300 E. Grand River Howell, MI 48843 517-548-0200


Midland County Department

of Human Services

1509 Washington St. Midland, MI 48640 989-835-7040


Saginaw County Department

of Human Services

411 E. Genesee Saginaw, MI 48607 989-758-1877


Sanilac County Department

of Human Services

515 S. Sandusky Rd. Sandusky, MI 48471 810-648-4420


Shiawassee County

Depart-ment of Human Services

1720 E. Main St., Suite 1 Owosso, MI 48867 989-725-3308

St Clair

St Clair County Department

of Human Services

220 Fort St. Port Huron, MI 48060 810-966-2000


Tuscola County Department

of Human Services

1365 Cleaver Rd. Caro, MI 48723 989-673-9209



Washtenaw County

Department of Human


22 Center St. Ypsilanti, MI 48198 734-481-2000

Children’s Special Health

Care Services


Women, Infant and Children



Dental and vision

The following organizations pro-vide dental or vision services only.

Dental services


Sterling Dental Clinic

5095 Rifle River Trail Alger, MI 48610 989-873-5152


Dental North Side

5399 N. Saginaw St. Flint, MI 48505 810-406-4246


Healthy Smiles Dental Center

2815 S. Pennsylvania, Suite 203 Lansing, MI 48910


Michigan Dental Program

109 N. Michigan Ave., 8th Floor Lansing, MI 48913



Family Medical Center

Lenawee Dental

128 S. Broad St. Adrian, MI 49221 517-266-0651


VINA Community Dental


400 E. Grand River Brighton, MI 48116 810-844-0240


Wadsworth Dental Center 2308 Wadsworth Rd. Saginaw, MI 48601 989-759-6470


St Clair

Baker College of Port Huron

Dental Hygiene Program

3403 Lapeer Rd. Port Huron, MI 48060 810-985-3729

Community Dental Clinic of

St Clair County

3037 Electric Ave. Port Huron, MI 48060 810-984-5197


Community Dental Center

406 N. Ashley Ann Arbor, MI 48103 734-998-9640

University of Michigan

School of Dentistry

1011 North University Ann Arbor, MI 48109 734-763-6933

Discount Dental Plans


Mid Michigan District Health

St John Community Dental


1307 E. Townsend Rd. St John, MI 48879 989-224-3053

Vision services

Eye Care America


Lions Club International



Saginaw Area Foundation for

Eye Care

5161 Cardinal Park Dr. Saginaw, MI 48603 800-504-4856

Vision USA



Mental health and

substance abuse services

Every county in Michigan has a community mental health agency. The agency provides mental health and substance abuse ser-vices for residents in that county. For more information, see the list of agencies below by county or visit*


Clare County Community

Mental Health

789 N. Clare Ave. Harrison, MI 48625 989-539-2141


Hamilton Community Mental


420 W. 5th Ave. Flint, MI 48502 810-257-3724


Gladwin County Community

Mental Health

655 E. Cedar Ave. Gladwin, MI 48624 989-426-9295


Gratiot County Community

Mental Health

608 Wright Ave. Alma, MI 48801 989-463-4971


Huron County Community

Mental Health

1108 S. Van Dyke Rd. Bad Axe, MI 48413 989-269-8452


Isabella County Community

Mental Health

301 S. Crapo St. Mt Pleasant, MI 48858 989-386-2774


Lapeer County Community

Mental Health

1570 Suncrest Dr. Bad Axe, MI 48446 810-667-0500



Livingston County

Community Mental Health

2280 E. Grand River Ave. Howell, MI 48843 517-546-4126


Midland County Community

Mental Health

218 Fast Ice Dr. Midland, MI 48642 989-631-2320


Saginaw County Community

Mental Health

500 Hancock St. Saginaw, MI 48602 989-797-3400


Sanilac County Community

Mental Health

227 E. Sanilac Rd. Sandusky, MI 48471 810-648-0330


Shiawassee County

Community Mental Health

1555 Industrial Dr. Owosso, MI 48867 989-723-6791

St Clair

St. Clair County Community

Mental Health

3111 Electric Ave. Port Huron, MI 48060 810-985-8900


Tuscola County Community

Mental Health

125 W. Lincoln St. Caro, MI 48723 989-673-6191


Washtenaw County Support

and Treatment Services –

Ann Arbor

2140 E. Ellsworth Ann Arbor, MI 48108 734-971-2282

Washtenaw County Support

and Treatment Services –



Free and low-cost

health centers

Below is a list by county of places you can go for free or low-cost medical care. Many of these clinics may provide additional services, such as dental services, vision services and mental health treatment. Always call before you go to make sure the hours and services meet your needs.


Sterling Medical

725 E. State St. Sterling, MI 48659 989-654-2491


Bay-Arenac Behavioral


201 Mulholland Bay City, MI 48708 989-895-2300

Bayside Health Center

3884 Monitor Rd. Bay City, MI 48706 989-671-2000

Helen M. Nickless Volunteer


1460 W. Center Rd. Essexville, MI 48732 989-895-4830


CBM Health Care Inc. –


14229 Torrey Rd. Fenton, MI 48430 810-391-8666

Clio Health Center

4154 W. Vienna Rd. Clio, MI 48420 810-406-4246

Genesee Community Health


422 W. 4th St. Flint, MI 48503 810-496-5777

Genesee County Free

Medical Clinic

2437 Welch Blvd. Flint, MI 48504 810-235-4211

Hamilton Community Health


2900 N. Saginaw Flint, MI 48503 810-406-4246

Hamilton Community Health

of Burton

G-3375 S. Saginaw Burton, MI 48529 810-406-4246


Hamilton Health North Point


5710 Clio Rd. Flint, MI 48504 810-406-4246


MidMichigan Medical Offices


439 S. Ross St. Beaverton, MI 48612 989-246-3500


St. Peter’s Free Clinic of

Hillsdale County, Inc.

3 N. Broad St. Hillsdale, MI 49242 517-437-4041


Birch Community Health


812 E. Jolly Rd. Lansing, MI 48910 517-244-8030

Care Free Medical and

Dental – Lansing

5135 S. Pennsylvania Ave. Lansing, MI 48911


Care Free Medical and

Dental – Mason

790 E. Columbia Mason, MI 48854 517-244-0120

Cristo Rey Community


1717 N. High St. Lansing, MI 48906 517-371-1700

Eastern Health Center

220 N. Pennsylvania Lansing, MI 48912 517-244-8014

His Healing Hands

2025 W. Holmes Rd. Lansing, MI 48910 517- 882-0056

Lansing Community College

Dental Hygiene Clinic

515 N. Washington Sq., Room 107 Lansing, MI 48933


Otto Community Health


500 E. Thomas St. Lansing, MI 48906 517-702-3555


Sexton Health Center

102 S. McPherson Lansing, MI 48915 517-775-1076

Sparrow Community Health


1322 E. Michigan Ave, Suite 308 Lansing, MI 48912 517-364-3074

St. Lawrence Community

Health Center

1100 W. Saginaw, Suite 500 Lansing, MI 48912 517-364-7440

Willow Health Center

306 W. Willow Lansing, MI 48906 517-702-3500


St. Mary’s of Michigan

Center of HOPE North

716 - A German St. Tawas City, MI 48763 989-362-9806


Isabella Citizens for Health

2940 Health Parkway Mount Pleasant, MI 48858 989-953-5320


Center for Family Health

505 N. Jackson St. Jackson, MI 49201 517-748-5500

Center for Family Health at


1200 N. West Ave. Jackson, MI 49202 517-796-4550

Dove Health Alliance and


602 W. Michigan Ave. Jackson, MI 49201 517-783-5334

Jackson High Health Center

544 Wildwood Jackson, MI 49201 517-780-0838

St. Luke’s Clinic

132 Seymour Ave. Jackson, MI 49202 517-783-1117


Imlay City Health Center

100 E. 3rd St.

Imlay City, MI 48444 810-724-3201


Loving Hands Clinic

148 Maple Grove Rd. Lapeer, MI 48446 810-667-8933


Family Medical Center of


690 Riverside Dr. Adrian, MI 49221 517-263-1800


Faith Medical Clinic

350 Mower Pinckney, MI 48169 734-474-4627

St. Luke’s Hometown

Healthcare Clinic

9912 E. Grand River, Suite 1000 Brighton, MI 48116 810-623-8182


Bridgeport Community

Health Center

6297 Dixie Hwy. Bridgeport, MI 48722 989-759-6460

David R. Gamez Community

Health Center

501 Lapeer Saginaw, MI 48607 989-753-6000

Healthy Futures

2215 N. Center Rd. Saginaw, MI 48603 989-249-8940

Jane’s Street Academic

Health Center

1522 Janes Ave. Saginaw, MI 48601 989-755-0316

Roosevelt Ruffin Community

Health Center

229 Gallagher Rd. Saginaw, MI 48601 989-755-3619

St. Mary’s of Michigan

Center of HOPE

723 Emerson St. Saginaw, MI 48607 989-907-8775

Laingsburg First Baptist


901 E. Grand River Rd. Laingsburg, MI 48848 517-651-6166



Shiawassee Community

Health Center

1975 West M-21 Owosso, MI 48867 989-729-4848

Shiawassee Free Medical


818 W. King St., Suite 101 Owosso, MI 48867 989-720-7866

St Clair

Algonac Medical Center

555 St. Clair River Dr. Algonac, MI 48001 810-794-4917

Down River Medical Center –


555 St Clair River Dr. Algonac, MI 48001 810-794-4917

People’s Clinic For Better


3110 Goulden St. Port Huron, MI 48060 810-985-4747

Port Huron Medical Center

1011 Military St. Port Huron, MI 48060 810-488-8000


Chelsea Grace Clinic

603 S. Main St. Chelsea, MI 48818 734-475-3305

Corner Health Center

47 N. Huron

Ypsilanti, MI 48197 734-484-3600

Hope Medical Clinic, Inc. –

Ypsilanti Clinic

518 Harriet St. Ypsilanti, MI 48197 734-484-2989

Manchester Health Center

4800 Esch Rd. Manchester, MI 48158 989-759-6470

Packard Health

3174 Packard Rd. Ann Arbor, MI 48108 734-971-1073


Shelter Association of

Washtenaw County

312 W. Huron St. Ann Arbor, MI 48103 734-662-2829

Neighborhood Family Health


111 N. Huron, Suite 200 Ypsilanti, MI 48197 734-544-6900

Ypsilanti Family Health


200 Arnet St., Suite 200 Ypsilanti, MI 734-482-6221

Helplines and

Special Programs


HDI Obstetrics/Gynecology

and Midwife Services

3175 W. Professional Dr. Bay City, MI 48706 989-667-3377


Hearth Home HIV/AIDS

Awareness Counseling

732 Hoyt St.

Saginaw, MI 48607 989-753-9011

Mammogram and Pap Smear

Referral Program


Nursing Home Helpline



Community Health Center

Wolverine Human Services

150 Enterprise Dr. Vassar, MI 48768 989-759-6470

Central Michigan Free Clinic

2012 E. Preston

Mt. Pleasant, MI 48858 989-953-5333


Additional Resources

• United Way 2-1-1 Collaborative can help with food, housing, employment, health care, counseling and more. Dial 2-1-1 or visit* for quick and easy access to information about services in your community.

•* lists over 500 health care clinics in Michigan. This makes it easy to find the clinics, the services they offer and how to contact them.

Understanding health insurance and how

to access health care services

Once you’ve enrolled in a health plan, you can use it to cover medical care costs, fill prescriptions at the pharmacy or get emergency care. There are five costs that make up a health plan. They are:

1. Premiums. A fixed monthly amount paid to the insurance company for health coverage. This cost varies based on what’s covered in your plan and the doctors you see.

2. Copayments. Fixed dollar amounts you pay at the time of your services, such as a doctor visit.

3. Deductible. A fixed dollar amount paid by you for medical services before the insurance company starts to pay. You pay 100 percent of covered medical costs until the deductible amount is reached. Preventative services are covered 100 percent and don’t count toward the deductible.

4. Coinsurance. A fixed percentage of cost of covered services that is shared with the insurance company after the deductible is met. For example, an 80/20 coinsurance means the insurance company pays 80 percent and you pay 20 percent.

5. Out of pocket maximum. This is the maximum amount you pay in deductibles, copayments and coinsurance in one plan year. Once you meet the out of pocket maximum, the health insurance company will typically cover 100 percent of covered services for the rest of the plan year.


To get the best care possible, it’s important for you to play an active role in your own health care. Work closely with your doctor to get the best possible care. Ask questions about prevention, diagnosis, treat-ment and recovery. This will help ensure your safety, prevent errors and improve your overall health. Below are some tips on how to find a doctor, make an appointment and talk with your doctor.

Find a doctor

• For Blues members visit:

• If you have a different health plan, go to* to find a list of doctors along with their ratings.

Make the most of your appointment

• Locate your health plan ID card, photo ID or Social Security number.

• Gather a list of current medical records including medications, immunizations, allergies and family medical history.

• Write down questions and concerns you want to cover with your doctor.

• Understand your costs.

• Follow your doctor’s advice and schedule follow-up appointments.

Where to go for health care

Your primary care physician, or PCP, is the best place to start when an illness or injury occurs. When your PCP isn’t available, it’s okay use a local urgent care center. Urgent care centers treat illnesses that are not life-threatening. They also treat medical issues that may grow worse if you leave them untreated. The hospital or emergency room should be used only in the case of serious, potentially life-threatening medical emergencies.


Need medical care today and feel safe to wait a few hours.

Examples are:

• Tried but could not reach my doctor

• Reached the doctor and told to go to an Urgent Care Center

Where do I go?

(Or, where do I take my child or parent?)

I’m sick or hurt...









CALL 911

Need medical care and feel safe to wait a day. Examples are: • Runny nose • Simple backache • Sore throat • Earache

Need medical care now and do not feel safe to wait.

Examples are:

• Trouble breathing or chest pain

• Fainting


You may download copies of this brochure from our

website in PDF format. Go to and type Help

with Health Care Brochures in the search box.

You may also call our toll-free hotline at 1-800-658-6715 to

order extra copies free of charge. When you leave your

message, be sure to include your name, address, phone

number, number of brochures you’d like and which

version you need (Southeast Michigan, Mid-Michigan,

West Michigan or Northern Michigan and the Upper Peninsula).





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