2026-02-17T11:31:15+00:00 2025-03-31 331498605 PLANTE & MORAN PLLC 2601 CAMBRIDGE CT SUITE 300 AUBURN HILLS MI 48326 990 2024-04-01 854388186 MARY FREE BED INSURANCE COMPANY PCC MARY 8005288989 235 WEALTHY ST SE GRAND RAPIDS MI 49503 RYAN PODVIN CFO 6168408000 2026-02-17 true true SAMANTHA L BECKER P01344887 2483757100 2025-02-15 2024 2025-03-06 01:10:19Z CAPTIVE RYAN PODVIN 235 WEALTHY ST SE GRAND RAPIDS MI 49503 3504505 false X N/A X 2020 DC THE CAPTIVE ISSUES DEDUCTIBLE REIMBURSEMENT POLICIES TO ITS NOT-FOR-PROFIT OWNER FOR LOSSES INCURRED UNDER COMMERCIAL INSURANCE POLICIES, COVERING GENERAL AND PROFESSIONAL LIABILITY, AND EXCESS WORKERS COMPENSATION AND EMPLOYEE MEDICAL PLAN EXPENSES. CAPTIVE PROMOTES THE HEALTH OF THE COMMUNITY IT AND MFB SERVE THROUGH VARIOUS MEANS, INCLUDING, BUT NOT LIMITED TO, PROVIDING HEALTH CARE SERVICES TO ALL PERSONS SEEKING CARE AT CAPTIVE'S PARENT'S FACILITIES WITHOUT REGARD TO ANY PERSON'S ABILITY TO PAY FOR SUCH CARE, AND, IN PARTICULAR, PROVIDING HEALTH CARE SERVICES ON A NON-DISCRIMINATORY BASIS TO ALL MEDICARE AND MEDICAID PATIENTS SEEKING CARE AT CAPTIVE'S FACILITIES. 3 0 0 0 0 0 2099382 2401958 120112 77329 0 2219494 2479287 0 0 0 0 0 3179283 3105602 3179283 3105602 -959789 -626315 4126609 4722629 3204954 3865523 921655 857106 THE MARY FREE BED INSURANCE COMPANY PCC, SUPPORTS THE NOT FOR PROFIT MISSION OF ITS PARENT, THE MARY FREE BED REHABILITATION HOSPITAL, AND THE COMMUNITY SERVED BY ITS PARENT, BY ENHANCING THE MANAGEMENT OF PATIENT, EMPLOYEE AND OTHER RISKS, THUS REDUCING THE TOTAL COST OF ITS PARENT'S ENTERPRISE RISK. false false 2930473 2401958 THE CAPTIVE ISSUES DEDUCTIBLE REIMBURSEMENT POLICIES TO ITS NOT-FOR-PROFIT OWNER FOR LOSSES INCURRED UNDER COMMERCIAL INSURANCE POLICIES, COVERING GENERAL AND PROFESSIONAL LIABILITY, AND EXCESS WORKERS COMPENSATION AND EMPLOYEE MEDICAL PLAN EXPENSES. CAPTIVE PROMOTES THE HEALTH OF THE COMMUNITY IT AND MFB SERVE THROUGH VARIOUS MEANS, INCLUDING, BUT NOT LIMITED TO, PROVIDING HEALTH CARE SERVICES TO ALL PERSONS SEEKING CARE AT CAPTIVE'S PARENT'S FACILITIES WITHOUT REGARD TO ANY PERSON'S ABILITY TO PAY FOR SUCH CARE, AND, IN PARTICULAR, PROVIDING HEALTH CARE SERVICES ON A NON-DISCRIMINATORY BASIS TO ALL MEDICARE AND MEDICAID PATIENTS SEEKING CARE AT CAPTIVE'S FACILITIES. 2930473 true false false false false false false false false false false false false false true false true true false false false false false false false false false false false true false false false false false false false false false false false false false false false true true false true false true 0 0 0 false false false false false false false false false false false false X 3 0 false false false false true true true true true false false false true true true true false false false false false false MI X RYAN PODVIN 6168408676 235 WEALTHY ST SE GRAND RAPIDS MI 49503 KENT RIDDLE SECRETARY 1.0 58.0 X X 0 1175262 41635 NATHANIEL GUZMAN PRESIDENT 1.0 39.0 X X 0 213625 12957 RYAN PODVIN TREASURER 1.0 51.5 X X 0 394082 45866 0 1782969 100458 3 false true false 0 0 0 0 0 0 0 0 PREMIUM REVENUE 524298 2401958 2401958 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2401958 101869 0 0 101869 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1000678 1025218 -24540 0 -24540 -24540 0 0 0 0 0 2479287 2401958 0 77329 69575 69575 96816 96816 634 0 634 0 GROSS PAID CLAIMS 2722318 2722318 CHANGE IN OSLR 170541 170541 CHANGE IN IBNR 37614 37614 INSURANCE PREMIUM TAXES 8104 8104 0 0 0 0 3105602 2930473 175129 0 459623 1033425 1530348 1999157 0 0 0 0 0 27814 24145 0 0 0 0 2108824 1665902 0 0 0 0 4126609 4722629 1581790 2008285 0 0 1623164 1857238 3204954 3865523 X 0 395000 895000 526655 -37894 921655 857106 4126609 4722629 X -626315 61766 500000 X false true true false X X 1 MARY FREE BED REHABILITATION HOSP 381359265 3 true 0 0 1 0 0 true false false false false false false false false false false false false false false true false Federal Income Taxes EXPENSES 1849738 ACCRUED OTHER LIABILITIES 7500 1857238 3041053 61766 500000 561766 2479287 0 0 2479287 3105602 0 0 3105602 0 0 3105602 Schedule D, Part XI, Line 2(d) Other revenues in audited financial statements not in form 990 TRANSFER FROM AFFILIATE - 500000 false true false false false false false false false KENT RIDDLE SECRETARY 0 927271 0 247991 0 0 0 23492 0 18143 0 1216897 0 0 RYAN PODVIN TREASURER 0 345819 0 48263 0 0 0 23497 0 22369 0 439948 0 0 NATHANIEL GUZMAN PRESIDENT 0 195217 0 18408 0 0 0 12330 0 627 0 226582 0 0 Schedule J, Part I, Line 3 KENT RIDDLE IS COMPENSATED BY A RELATED PARTY WHO USES A COMPENSATION COMMITTEE, FORM 990 OF OTHER ORGANIZATIONS, COMPENSATION SURVEY OR STUDY, AND APPROVAL BY THE COMPENSATION COMMITTEE TO DETERMINE HIS COMPENSATION. Schedule J, Part I, Line 4b SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN MARY FREE BED REHABILITATION HOSPITAL (MFB) MAINTAINS A SUPPLEMENTAL RETIREMENT PLAN (SERP) FOR A SELECT GROUP OF EXECUTIVES OF MFB AND ITS AFFILIATED ENTITIES. THIS SERP IS AN UNFUNDED, NONQUALIFIED DEFERRED COMPENSATION PLAN THAT IS INTENDED TO COMPLY WITH SECTION 457(F) OF THE INTERNAL REVENUE CODE. BENEFITS UNDER THIS SERP IS TAXABLE TO THE PARTICIPATING EXECUTIVES WHEN SUCH AMOUNTS ARE VESTED. KENT RIDDLE IS A PARTICIPANT OF THIS PLAN. THERE WERE NO SERP PAYMENTS DURING THE YEAR. Form 990, Part VI, Line 6 Classes of members or stockholders THE ORGANIZATION'S SOLE MEMBER IS MARY FREE BED REHABILITATION HOSPITAL, AS DICTATED BY THE BY-LAWS. Form 990, Part VI, Line 7a Members or stockholders electing members of governing body THE ORGANIZATION'S SOLE MEMBER, MARY FREE BED REHABILITATION HOSPITAL, ELECTS THE DIRECTORS OF THE ORGANIZATION. Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders GOVERNANCE DECISIONS ARE DICTATED BY THE SOLE MEMBER. Form 990, Part VI, Line 11b Review of form 990 by governing body THE FORM 990 IS REVIEWED BY THE CFO PRIOR TO FILING. AFTER COMPLETION OF THE RETURN, RETURN WILL BE POSTED TO AN INTERNAL WEBSITE PORTAL FOR ALL BOARD MEMBERS TO REVIEW BEFORE FILING. Form 990, Part VI, Line 12c Conflict of interest policy CONFLICT OF INTEREST POLICIES ARE UPDATED ANNUALLY BY ALL BOARD MEMBERS, OFFICERS AND STAFF. PROCESS IS ADMINISTERED OUT OF THE EXECUTIVE ADMINISTRATION OFFICE. ANY DISCLOSED CONFLICTS OF INTEREST WOULD BE DISCLOSED TO THE BOARD OF DIRECTORS AND ASSURANCES OBTAINED THAT NO ILLEGAL OR SUBSIDIZED ACTIVITIES ARE OCCURRING. ALL DISCLOSURES ARE REVIEWED BY THE HOSPITAL'S COMPLIANCE COMMITTEE. IF A CONFLICT OF INTEREST IS EXPOSED, THE INDIVIDUAL WHO IS THE SUBJECT OF THE CONFLICT IS EXCUSED FROM THE MEETING SO THE REST OF THE BOARD MAY DISCUSS THE ISSUE AND TAKE APPROPRIATE ACTION. Form 990, Part VI, Line 19 Required documents available to the public GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT AVAILABLE FOR PUBLIC INSPECTION. FINANCIAL STATEMENTS ARE SUMMARIZED IN AN ANNUAL REPORT WHICH IS AVAILABLE TO THE PUBLIC. Form 990, Part XI, Line 9 Other changes in net assets or fund balances TRANSFER FROM AFFILIATE - 500000; Total - 500000; MARY FREE BED GUILD FUND 235 WEALTHY STREET SE GRAND RAPIDS MI 49503 382643392 SUPPORTING ORGANIZATION MI 501(c)(3) Type I MARY FREE BED GUILD true MARY FREE BED GUILD 235 WEALTHY STREET SE GRAND RAPIDS MI 49503 382649369 CHARITABLE HEALTHCARE MI 501(c)(3) 7 NA false MARY FREE BED ORTHOTICS AND PROSTHETIC 235 WEALTHY STREET SE GRAND RAPIDS MI 49503 382643391 ORTHOTICS AND PROSTHETICS MI 501(c)(3) 10 MARY FREE BED REHABILITATION HOSPITAL true MARY FREE BED REHABILITATION HOSPITAL 235 WEALTHY STREET SE GRAND RAPIDS MI 49503 381359265 CHARITABLE HEALTHCARE MI 501(c)(3) 3 MARY FREE BED GUILD true MARY FREE BED REHABILITATION HOSPITAL FOUNDATION 235 WEALTHY STREET SE GRAND RAPIDS MI 49503 461164285 SUPPORTING ORGANIZATION MI 501(c)(3) Type I MARY FREE BED REHABILITATION HOSPITAL true ASSOCIATION FOR THE BLIND AND VISUALLY IMPAIRED 456 CHERRY SE GRAND RAPIDS MI 49503 381387122 CHARITABLE HEALTHCARE MI 501(c)(3) 7 MARY FREE BED REHABILITATION HOSPITAL true THE FOUNDATION IN SUPPORT OF THE ASSOCIATION FOR THE BLIND 456 CHERRY SE GRAND RAPIDS MI 49503 383382541 SUPPORTING ORGANIZATION MI 501(c)(3) Type I ASSOCIATION FOR THE BLIND AND VISUALLY IMPAIRED true RHH-MFB HEALTH VENTURES LLC 400 NORTHPOINTE CIRCLE SUITE 203 SEVEN FIELDS PA 16046 811066258 IN-HOME NURSING MI NA N/A false false MARY FREE BED REHABILITATION LLC 235 WEALTHY ST SE GRAND RAPIDS MI 49503 383584123 PHYSICAL THERAPY MI NA C Corporation true MARY FREE BED CONDOMINIUM ASSOCIATION 235 WEALTHY ST SE GRAND RAPIDS MI 49503 382694280 CONDO MAINTENANCE MI NA C Corporation true false false true false false false false false false false false false false false false true false false true MARY FREE BED REHABILITATION HOSPITAL P 2717897 ACTUAL COST MARY FREE BED REHABILITATION HOSPITAL S 2381834 CASH MARY FREE BED REHABILITATION HOSPITAL C 500000 CASH