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Insurance and Billing

Blue Water Surgery Center accepts Medicare and is a participating provider of most commercial insurance plans (see detailed list below). Please check with a member of our staff if you have any questions or concerns about your coverage prior to your procedure. If your procedure is covered under Workers’ Compensation, please be prepared to provide us with the necessary information.

We will contact your insurance company to verify your benefits and coverage, as well as to obtain pre-authorization for the procedure. Co-payments, deductibles and services not covered by your insurance plan are the responsibility of the patient. The center will bill your insurance company after surgery. Request for payment from you will occur after the insurance has either paid or the claim is denied. This can often take a week to a few months.

You will receive an easy-to-understand bill for the services provided at Blue Water Surgery Center. You can also expect a bill from your physician, pathologist and anesthesiologist should those services be necessary.

We welcome self-pay patients, and we’ll be happy to discuss payment arrangements. Please don’t hesitate to call us with any insurance or billing questions: (810) 985-5200. Our on-site business staff is available to assist you with any questions, claim filing concerns or setting up a payment plan. We accept Visa and Mastercard. We also offer the option to pay bills online.


We accept the following insurance plans:

  • Aetna
  • BCBS MI
  • BCN
  • Beech Street
  • First Health Network
  • Great Lakes health Plan
  • Great West
  • HPO
  • Medicare
  • Multiplan/Choice One
  • PHCS
  • PPOM
  • Three River Provider Network
  • Tricare Standard
  • United HealthCare
  • Workers Comp

The Cost of Your Procedure

Because you are responsible for costs for covered healthcare services until you reach your deductible, you should comparison shop if you elect to have a nonemergency procedure.

You can use tools like Healthcare Bluebook and the Medicare Procedure Price Lookup (for Medicare patients).  Many health insurance websites also provide information on where to find in-network services.

Planning a Procedure on a HDHP

A High-Deductible Health Plan (HDHP) is a plan with a higher deductible than a traditional health insurance plan.
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Managing Healthcare Cost

A High Deductible Health Plan (HDHP) can be a wise way to save money on health insurance and take a proactive role in your healthcare.
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Understanding Your Insurance

Health insurance is an agreement between you and an insurance company of your choosing.
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