Estimates for Out-of-Pocket Costs
Price Transparency
Figuring out what health care is going to cost can be difficult and confusing. Variables include the charge for the service, what your insurance approves and pays, and what amounts are applied to your deductible, copay or coinsurance.
At University of Michigan Health, we want to help you determine what your out-of-pocket cost is going to be so that you can make informed choices about your healthcare.
What Will My Health Services Cost?
Please keep in mind that the amount we calculate is an estimate, and that your actual out-of-pocket cost may be more or less depending on the care you receive and how your insurance company processes your claims.
To create an online estimate for your out-of-pocket costs, please select one of the following options:
- If you are a current Michigan Medicine patient: please log in to the Patient Portal, select Your Menu, and search for Estimates.
- If you are not a current Michigan Medicine patient: please log into our Patient Estimates portal for Guests.
If you are a current patient who is not registered in the Patient Portal, please see our MyUofMHealth Patient Portal page. You may also choose to use the Guest Estimates portal, however, the estimate will not be saved to your patient record.
If you are having trouble creating an estimate for your desired service, please contact our estimates team at 877-480-8757 Monday - Friday, 8 am - 4 pm.
Contact Our Estimates Team
Monday - Friday, 8 am - 4 pm
Questions & Answers About Cost Estimates
The cost estimates provided are for hospital and physician services delivered at Michigan Medicine, for example: lab tests, diagnostic imaging procedures, and surgical procedures.
The estimate will include the charges of the hospital, including OR time, pharmacy, implants, and supply costs, as well as the surgeon and, if applicable, anesthesia provider, radiologist, and/or pathologist. The specific charges included will be based on historical data of similar procedures
If you are not able to find the procedure you are looking for, you can call our Estimates team at 877-480-8757 Monday - Friday, 8 am - 4 pm.
Online estimates only consider one’s primary insurance. Please contact our Estimates team at 877-480-8757 Monday - Friday, 8 am - 4 pm for assistance calculating final out-of-pocket costs with multiple plans.
No, the estimate does not ensure that the service is a covered benefit of your insurance plan. Please check your benefits or contact your insurance plan prior to scheduling.
Depending on the service, your insurance plan may also require a prior authorization. If a prior authorization is required, Michigan Medicine will work with your insurance plan to obtain the required authorization.
Not likely. The information provided through the online estimates tools is a best estimate based on the information we currently have and is not a guarantee of what you will be charged.
Additionally, please understand that in many cases it is impossible to predict final charges because of variables that affect your services, such as:
- Length of time spent in surgery or recovery
- Specific equipment, supplies and medications required
- Additional tests required by your provider
- Any unusual special care or unexpected conditions or complications
Finally, if authorized by your insurance carrier, your benefits will ultimately determine the amount you owe, including deductibles, co-pay, co-insurance and out-of-pocket maximums. If you are uninsured you may be eligible for a discount on your services.
Your doctor's order for the exam will indicate whether it should be performed with IV contrast or not. If you are unsure, you should contact your doctor's office.
If you have questions about your estimate or creating an estimate, please call our Estimates team at 877-480-8757 Monday - Friday, 8 am - 4 pm.
Michigan Medicine Standard Charges
Access the listing of standard hospital charges as of December 31, 2025, published to meet a Centers for Medicare and Medicaid (CMS) requirement.
