Your health and wellness journey should never be limited by financial barriers. In St. Joseph, Michigan, WellToMD offers flexible payment and financing solutions to ensure your care is both accessible and stress-free. From working with leading insurance providers to offering in-house and third-party financing, our goal is to help you focus on feeling your best, not worrying about the bill.
We believe nothing should stand between you and your health goals. That’s why WellToMD in St. Joseph, Michigan, works with a variety of insurance providers and offers flexible payment solutions to fit your life. We accept Blue Cross Blue Shield/Blue Care Network, Priority Health, Cigna, and Total Health Care, along with HSA and major credit cards.
For added flexibility, you can choose Cherry or CareCredit financing, or set up one of our in-house payment plans. Our team is here to walk you through your options so you can focus on feeling your best, not stressing about the bill.
We gladly accept the following insurance providers:
Note: If we are not in your network, your insurance company may not cover the cost of your visit. We cannot bill HMOs that are out of network. To help make the cost of the visit affordable for our patients, we do offer a self-pay discount. Please confirm your specific benefits and coverage with your provider prior to scheduling your appointment.
Yes. Our team can verify your benefits and answer any questions you have before your appointment. If you have specific questions about your coverage, please contact your insurance company’s customer service department by calling the number located on your card. They can also help you locate a provider.
Every plan is different. We’ll help you understand what your insurance covers and what to expect before starting any treatment.
Each insurance plan is different, and your insurance company representative can provide plan-specific information. You can reach a customer service representative by calling the (800) number on the back of your insurance card. If you’ve lost your card, your Human Resources department or your school’s health services office can provide the contact information.
We accept Health Savings Account (HSA) cards and major credit cards to make paying for your care simple and convenient.
Yes, we offer flexible financing through Cherry and Care Choice, which provide easy monthly payment plans tailored to your budget.
Cherry allows you to split your treatment cost into easy, predictable monthly payments with no hidden fees. Approval is quick and can be completed in minutes.
Most adults over 18 with a valid bank account and U.S. ID can apply. Approval is based on a soft credit check.
CareCredit is a healthcare credit card that lets you pay for your treatments over time, often with promotional interest-free periods.
Any U.S. resident over 18 with a qualifying credit profile may apply. Approval depends on your credit history. Click here to apply for CareCredit Financing.
Cherry uses a soft credit check for approval, so it won’t affect your score. CareCredit performs a standard credit inquiry, which may appear on your credit report.
Neither Cherry nor CareCredit lists a minimum income, but your application will consider your ability to repay.
You can use Cherry or CareCredit for most of our services, including wellness, aesthetic, and specialty care treatments.
Absolutely. We provide customized in-house payment plans designed to fit your individual needs and treatment plan.
