Is charity care only for people with no income?

Not always. Eligibility depends on the hospital's financial assistance policy, household size, income, insurance status, and other factors. Some people with insurance may still qualify for partial help.

Should I apply for financial assistance before negotiating?

Yes, if you might qualify. Financial assistance can reduce or forgive a bill based on the hospital's policy, while negotiation is usually a separate conversation about payment.

Hospital Financial Assistance and Charity Care: How to Apply

Ask the hospital billing office or financial assistance office for its financial assistance policy and application. Gather the bill, account number, proof of income, household size, insurance information, and any requested documents. Apply before setting up a payment plan or paying a large balance if you may qualify.