Hospital bills can be overwhelming, especially for patients without insurance or those whose coverage leaves large gaps. Most hospitals are required by federal and state law to offer a written Financial Assistance Policy (FAP) that outlines how qualifying patients may receive reduced or waived charges. Understanding these policies helps patients avoid unnecessary debt, preserve credit, and receive care without fear of unaffordable bills. Most hospitals make their FAP publicly available online. Look for links titled Financial Assistance, Charity Care, or Patient Billing. If a policy is not easily located, call the patient financial services department and request a copy. Below is a curated list of major hospital systems and direct links to their policies. Hospital Facility Financial Assistance Policy Provider List
Why Financial Assistance Matters
Key Elements of a Hospital Financial Assistance Policy
How to Find a Hospitals Financial Assistance Policy
Provider List
Hospital System State(s) Policy Link Notes Ascension Health Multiple (CA, TX, FL, etc.) Financial Assistance Policy Income threshold 300% of Federal Poverty Level (FPL). AdventHealth FL, GA, NC, SC, TX Charity Care Policy Offers both full and partial forgiveness. Bay Area Medical Center California Financial Assistance Applies to patients 250% FPL. CommonSpirit Health Multiple (AZ, FL, IL, etc.) Financial Assistance Sliding scale based on income. Johns Hopkins Health System Maryland Charity Care Full forgiveness for 200% FPL. Kaiser Permanente CA, CO, GA, HI, MD, OR, VA, WA Financial Assistance Automatic eligibility for members on Medicaid. Mayo Clinic MN, AZ, FL Financial Assistance Complex application; includes assets test. Mount Sinai Health System New York Charity Care Policy Provides up to 100% discount for qualifying patients. NYU Langone Health New York Financial Assistance Income 300% FPL qualifies for up to 80% discount. Providence Health & Services Multiple (OR, WA, CA, TX, etc.) Financial Assistance Tiered discounts based on income level. UCLA Health California Charity Care Full exemption for 150% FPL. University of Michigan Health Michigan Financial Assistance Monthly income 400% FPL may receive discount. Virginia Commonwealth University Health System Virginia Financial Assistance Full waiver for 185% FPL. Walmart Health Clinics Nationwide Financial Assistance Flatrate pricing; no formal charity care. Steps to Apply for Assistance
Additional Resources
