Financial Assistance Programs

Otsego Memorial Hospital assists customers with their financial obligations whenever possible by estimating financial liability, accepting payment, helping to make appropriate payment arrangements or by evaluating for financial assistance.

If you are unable to pay your estimated liability at the point of service you may be referred to a Financial Advocate, who will assess your eligibility for alternative funding sources.  If you do not qualify for alternative funding sources, and cannot meet your financial obligations in full, a Financial Advocate will explain other payment options.

In all instances, emergency services will be provided, regardless of your ability to pay.  This is in full compliance with all of the rules and regulations of EMTALA.

Under its assistance program, Otsego Memorial Hospital will make available a reasonable amount of uncompensated or reduced price services to persons eligible under applicable guidelines.

If you think you may be eligible for assistance, use the link above to print, review and complete the “Assistance Application & Program Summary”, which includes a copy of the Financial Assistance “Plain Language Summary” description of program requirements.  

Bring the completed form and any applicable additional documentation to the Patient Financial Services office located at (physical address) OMH Administrative Services Building, 271 West McCoy Rd., Gaylord MI, or mail to 825 North Center Ave, Gaylord MI 49735. The office is open Monday through Friday 8 a.m. to 4 p.m.

For questions please call one of our Patient Financial Advocates at (989) 731-2200 or (989) 731-6228 or for OMH Medical Group questions, please call (989) 731-7777.


Mammography Assistance Program

Otsego Memorial Hospital works in conjunction with the Health Department of Northwest Michigan to provide mammograms to women who reside within OMH’s service area, including the following communities: Atlanta, Elmira, Frederic, Gaylord, Indian River, Johannesburg, Lewiston, Vanderbilt, Waters, and Wolverine.

If you are in need of a mammogram, and you are currently uninsured or you have insurance but screening or diagnostic mammograms are not covered, please contact one of the following below:

Health Department of Northwest Michigan (Otsego County): 800-432-4121

Specific requirements for this program can be obtained through the Health Department or by downloading the Breast and Cervical Cancer Control Program brochure.

District Health Department Number 4 (Montmorency and Cheboygan Counties): 989-734-4723

Specific requirements for this program can be obtained through the Breast and Cervical Cancer Control Program website.

For women who do not qualify for the above programs, please contact Otsego Memorial Hospital at 989-731-7769 for information on our Mammography Assistance Program.


Healthy Michigan Plan

10 minutes now, could save you hours of hassle later

With the Healthy Michigan Plan, comprehensive & accessible health care coverage is available now. The plan covers:

  • Doctor visits
  • Prescriptions
  • Emergency visits
  • Dental services
  • Lab services
  • Pregnancy care
  • Family planning
  • Preventive care
  • Hospitalization
  • Mental health and substance use disorder treatment services

Interested? Call (855) 789-5610 or visit to get started.

Need assistance? Get local help by calling (989) 731-9542

Who Is Eligible?
  • Ages 19-64
  • Income around $16,000 or less (single person) or $33,000 or less (family of four)
  • Not pregnant while applying
  • Not currently enrolled in other Medicaid programs
  • Not eligible for or enrolled in Medicare
  • State of Michigan resident