The charges may be billed to the patients primary health insurance. (see insurance billing below.) -For co-pays or payment of deductibles, we accept cash, check, money order, MasterCard®, Visa®, Discover Card® or bank debit cards, and most FSA cards.

NOTE: For the student-run clinics, there is no billing to insurance companies and no-charge to clients.

Insurance Billing

The Carls Center will bill primary and secondary health insurance plans if the patient provides current insurance coverage information (insurance card or photocopy of it) for all plans, and signs an authorization at the time of the visit to allow us to do so.
The Carls Center participates with several insurance programs, but please review your benefits contract or call your health plan rep to learn about your benefit options. Also note, insurances companies

  • Often change their provider network, so please verify with your plan if there has been any provider or coverage changes.
  • Require a prior-authorization, paperwork verifying need for services. If a prior authorization is required, we will obtain this from your primary care provider before your appointment.

Managed Care Plans: HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations)

The Carls Center billing staff will arrange for any needed prior authorizations required by HMO, PPO, or POS plans, in order to try to arrange for payment coverage clearance prior to our seeing you. Prior authorizations may also be needed for non-emergency out-of-network care prior to being seen at the Carls Center. If authorization is denied by the insurance carrier, the patient can still be seen at the Carls Center If authorization is denied by the insurance carrier, the patient can still be seen at the Carls Center on a fee for service basis.
The CMU Student Health Insurance Plan is available for CMU students, their spouses and dependents to purchase. To view the plan brochure and application form for enrollment, go to

The patient remains responsible for payment of any co-pays or deductibles required by the health insurance plan.
Certain insurance and community service programs cover specific diagnostic tests or treatment interventions. For instance, many insurance plans cover hearing testing, but may not cover the purchase or prescribed hearing aids. Please check with your health plan or program, and consult with our Business Office staff to learn what is covered and options for getting help of needed services.

If you are facing financial hardship or are unable to pay for services, please ask to be referred to our Billing Counselors at 989-774-1941/-2597. Community and CMU support resources that may be available will be considered entertained to help you get the services you need.

The Carls Center participates with the following insurance and community service programs for specific services and programs. Please check with Carls Center staff to learn of any updates with this list, since we continuously seek opportunities to link up with various community resources, medical insurances and health plans. Here is a list highlighting some of the major health plans supporting full or partial coverage for many of our clinical programs:

  • Michigan Blue Cross Blue Shield (BCBS) traditional plans
  • BCBS PPO (including CMU Community Blue PPO)
  • Blue Care Network
  • Molina Health Plan (Medicaid)
  • Health Plus Medicaid
  • MI Child/CSHCS
  • MESSA traditional
  • Medicare
  • Medicaid straight
  • Medicare Plus Blue
  • McLaren (Medicaid)
  • Tri Care (US Military) standard
  • Masonic services
  • Nimkee Tribe services
  • Priority Health
  • Meridian Health Plan
  • Physician Health Plan 
  • Tricare
  • Aetna