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MARY FREE BED INSURANCE COMPANY PCC

EIN 85-4388186 GRAND RAPIDS, MI

Browse the largest nonprofits in Michigan

Revenue 2024
$2,479,287
Expenses 2024
$3,105,602

Program services were 94.4% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
Y20
Classification
1000
Street
235 WEALTHY ST SE

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Other organizations at this address

6 other organizations in the IRS Business Master File list the same street address. matched by us

We match the street line and ZIP code as the IRS gives them, ignoring case and outer spaces and nothing else, so "AVE" and "AVENUE" count as different streets and this list can miss some. A shared address can mean related organizations or a shared office, but it can also be a registered agent, a mail drop or a service provider holding mail for unrelated clients. It is not, by itself, evidence that two organizations are connected.

Mission and programs · 2024

Mission

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.

Activities or mission (Part I)

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.

  • 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.

    Expenses $2,930,473 · Revenue $2,401,958

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Kent Riddle

    SECRETARY

    Total calculated
    $1,216,897
    From this org
    $0
    From related orgs
    $1,175,262
    Other
    $41,635
    Hours/week
    1 + 58 related

    Schedule J breakdown matched by us

    Base
    $0 + $927,271 related
    Bonus
    $0 + $247,991 related
    Other
    $0
    Deferred
    $0 + $23,492 related
    Nontaxable benefits
    $0 + $18,143 related
    Filer's total
    $0 + $1,216,897 related
  • Nathaniel Guzman

    PRESIDENT

    Total calculated
    $226,582
    From this org
    $0
    From related orgs
    $213,625
    Other
    $12,957
    Hours/week
    1 + 39 related

    Schedule J breakdown matched by us

    Base
    $0 + $195,217 related
    Bonus
    $0 + $18,408 related
    Other
    $0
    Deferred
    $0 + $12,330 related
    Nontaxable benefits
    $0 + $627 related
    Filer's total
    $0 + $226,582 related
  • Ryan Podvin

    TREASURER

    Total calculated
    $439,948
    From this org
    $0
    From related orgs
    $394,082
    Other
    $45,866
    Hours/week
    1 + 51.5 related

    Schedule J breakdown matched by us

    Base
    $0 + $345,819 related
    Bonus
    $0 + $48,263 related
    Other
    $0
    Deferred
    $0 + $23,497 related
    Nontaxable benefits
    $0 + $22,369 related
    Filer's total
    $0 + $439,948 related

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $2,479,287
    Expenses
    $3,105,602
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $2,219,494
    Expenses
    $3,179,283
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $2,314,157
    Expenses
    $1,741,345
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $2,103,477
    Expenses
    $1,179,441
    Assets (EOY)
    $4,395,711
  • 2020 · 990

    Revenue
    $428,118
    Expenses
    $393,466
    Assets (EOY)
    $2,131,024

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Declared as related by

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Related partnerships on its 2024 return

  • RHH-MFB HEALTH VENTURES LLC

    N/A · IN-HOME NURSING · MI

Related corporations and trusts on its 2024 return

  • MARY FREE BED REHABILITATION LLC

    C Corporation · PHYSICAL THERAPY · MI · controlled entity

  • MARY FREE BED CONDOMINIUM ASSOCIATION

    C Corporation · CONDO MAINTENANCE · MI · controlled entity

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Listed as of 13 October 2026, under deductibility SO.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.