What they are
Financial assistance programs provide free or reduced-cost care to patients who cannot afford to pay. Nonprofit hospitals are required to have these programs under IRS rules as a condition of their tax-exempt status.
Who qualifies
Eligibility is typically based on income relative to the Federal Poverty Level. Many hospitals provide full assistance below 200% FPL, and sliding-scale discounts up to 400% or higher. Some hospitals don't publish thresholds — you have to ask.
How to apply
- Contact the billing department and ask about financial assistance or charity care
- Request an application form
- Gather documentation: tax returns, pay stubs, bank statements
- Submit before paying — retroactive applications sometimes accepted
Ask before you payOnce you pay or agree to a payment plan, it may be harder to access financial assistance. Apply first.
Large medical bill?
Upload it for a free overview — we'll note financial assistance options.
Check my bill free →General information only. Not legal or medical advice.