research medical center financial assistance

Financial Assistance

On this page:, organization tools, resources guides and checklists, basic benefit information, legal resources, community organizations that provide financial assistance, transportation, information and support for drug co-pay, pharmaceutical patient access programs, workplace support, scholarships and school resources.

• Cancer Insurance Checklist The Cancer Insurance Checklist is an online worksheet that you can use to track provider visits, services, and costs to compare insurance plans in the federally funded Marketplace. 
• CancerFinances.org Cancer Finances is an online toolkit to help people manage finances after a cancer diagnosis.
• Triage Cancer Guides and Checklist Triage Cancer provides quick guides and checklists that offer practical information about finances and financial toxicity, navigating health insurance, and employment and work.  Also offer resources in Spanish.
• Compassionate Allowances for Ovarian Cancer: Disability Benefits Center Describes the Social Security Administration (SSA) Compassionate Allowances program to help reduce some of the financial burdens that may accompany the diagnosis of ovarian cancer (stage 4 only).
• Healthcare.gov Healthcare.gov is the website where you can research different insurance plans in your state to find the best fit for you and sign up during open enrollment or a Special Enrollment Period.
• Medicaid Provides overview of Medicaid program and eligibility requirements.
• Medicare Provides overview of Medicare, eligibility requirement, and application.
• Social Security Administration: Overview of Disability Programs Offers description of each program including SSI, SSDI, and returning to work.
• Social Security Disability Income Women with all stages of ovarian cancer may qualify for social security disability income. Visit this website to learn more and apply.
• SSI and SSD: Disability Benefits Center A questionnaire that evaluates eligibility criteria for supplemental security income and social security disability.
• Americans with Disabilities Act Provides information and technical assistance for individuals with questions relating the Americans with Disabilities Act. The U.S. Department of Justice provides information about the Americans with Disabilities Act (ADA) through a toll-free ADA Information Line 800-514-0301.
• Appeal Insurance Decisions: US Department of Health and Human Services Explains internal and external appeal rights for any decision or cancellation of benefits by your insurance carrier.
• Cancer Legal Resource Center: Disability Rights Legal Center A cancer diagnosis may carry with it a variety of legal issues, including insurance appeals, employment rights and leave time, access to health care and government benefits, and estate planning. The CLRC offers information on these issues, has links to critical topics, presentations and webinars, as well as a toll-free telephone assistance line: 866-THE-CLRC.
• Disability Rights Legal Center Offers disability rights advocacy through legal assistance.
• Equal Employment Opportunity Commission This is a federal agency that enforces laws that prevent workplace discrimination based on, among other things, disability including cancer related illnesses. Genetic Information Nondiscrimination Act information.
• Family Medical Leave Act (FMLA): Department of Labor Provides information on the Family and Medical Leave Act, a law that provides up to 12 weeks of job-protected, unpaid leave during any 12-month period to eligible, covered employees.
• LiveStrong Cancer Navigation Center The LiveStrong Cancer Navigation Center can help with insurance denials and appeals, handling debt and financial management issues related to a cancer diagnosis and more.
• National Women’s Law Center The National Women’s Law Center is dedicated to helping achieve policies that affect women throughout their lives and advocating for women who are being discriminated against.
• Triage Cancer’s Legal Navigation Program A Legal & Financial Navigation Program that provides individuals diagnosed with cancer, caregivers, and health care professionals with free one-on-one help in the areas of health insurance, disability insurance, employment, finances, medical decision-making, estate planning, and more.
• 2-1-1 Services Provides assistance to find local resources including crisis, food, health and housing.
• Allyson Whitney Foundation Provides “Life Interrupted grants” between $500-1500 for women undergoing treatment for rare cancer between the ages of 16-36.
• Bright Spot Network Bright Spot grants are available for those diagnosed with cancer and are caring for a child between ages of 0-6.
• CancerCare CancerCare provides a limited amount of financial support for transportation, home care and child care to women cancer patients who meet eligibility criteria.
• Cleaning for a Reason Provides “gift of a clean home so you may focus on healing.”
• Dollar For Offers education and navigation help for patients seeking financial assistance with medical bills through hospital charity care programs.
• Entertainment Community Fund A safety net for those in the entertainment and performing arts industry providing programs and services for those disabled by illness, case management, referrals, support groups and funeral/burial assistance. The Entertainment Community Fund is administered in offices in New York City, Chicago and Los Angeles.
• FamilyReach Financial assistance and resource navigation for cancer patients and caregivers who need support with non-medical expenses.
• Good Days Good Days provides financial assistance and advocacy for people pursuing life-saving and life-extending treatment.
• Healthwell Foundation Provides financial assistance towards medical treatments and other costs.
• Homeownership Preservation Foundation A foundation that aims to help people avoid mortgage foreclosure.
• Hill-Burton Free and Reduced Cost Health Care Under the Hill-Burton law, about 170 health care facilities nationwide are obligated to provide free or reduced-cost care to those who cannot otherwise afford medical care.
• Keep Swimming Foundation This foundation offers financial assistance for those undergoing inpatient treatment for 21 or more consecutive days at an accredited U.S. hospital.
• Nutrition Assistance Programs Describes SNAP, WIC, and other programs that supply access to food/ nutrition.
• OvarCare Program (through Ovarcome) OvarCare is a financial, psychosocial, and informational support program offered by Ovarcome for ovarian cancer patients in active treatment. Eligible patients who meet Ovarcome’s financial eligibility guidelines can apply for an OvarCare grant, which is comprised of a $200 financial grant, $100 gas gift card, $100 grocery gift card, 6 telephonic psychosocial counseling sessions with a licensed mental health clinician (optional) , and a telephonic genetic counseling session with a licensed genetic counselor (optional) .
• Patient Access Network (PAN) Foundation The PAN Foundation provides up to $3700 a year in co-payment assistance annually to ovarian cancer patients who are enrolled in Medicare and have incomes up to 500% of the federal poverty level. Patients must reside and receive treatment in the United States.
• Patient Advocate Foundation (PAF) Case workers from the Patient Advocate Foundation work one-on-one with patients, caregivers or providers resolve healthcare issues. The Foundation also offers co-payment assistance to women with ovarian cancer.
• Patient Resource Extensive list of organizations that provide financial help to patients with cancer. Please note this is not specific to ovarian cancer but may have helpful resources to your need.
• Patients Rising Concierge Connects patients and loved ones to personalized low-cost services.
• The Samfund The Samfund provides financial assistance and online support to young cancer survivors.
• Vital Options Grant Program Monetary grants to those experiencing financial hardship as the result of a cancer diagnosis.
• Fisher House Operates a network of comfort homes where military and veterans’ families can stay at no cost while a loved one is receiving treatment. Homes are located at major military and VA medical centers nationwide, close to the medical center or hospital they serve, and have up to 21 suites, with private bedrooms and baths.  Hero Miles program ,  using donated frequent flyer miles to bring family members to the bedside of ill service members as well as the Hotels for Heroes program using donated hotel points to allow family members to stay at hotels.
• Healthcare Hospitality Network Links to affiliate lodging programs across the US.
• Hope Lodge: American Cancer Society 30 Hope Lodge locations nationwide offering lodging for cancer patients as well as Extended Stay America ( Hotel Keys of Hope ) discount lodging.
• Hosts for Humanity Hosts for Humanity connects friends and family of people traveling for treatment with hosts offering accommodation in their homes.
• Hotel Keys of Hope: Extended Stays America A partnership program between American Cancer Society and Extended Stays America to provide discounted hotel stay for patients needing access to treatment.
• Joe’s House Links to lodging across the US for patients to stay during treatment.
• Ronald McDonald House Housing for pediatric patients (under the age of 18 in most locations) and their families during treatment.
• Air Care Alliance Offers a list of all nonprofit volunteer flying groups, whether they are members of the Air Care Alliance or not, in the interests of providing all possible help to patients, communities and others with needs.
• Air Charity Network Free air flights to specialized medical care.
• Angel Flight Oklahoma
• West Coast USA
• Northeast USA
• Central USA
• Southeast USA
• Southcentral USA
• AngelFlight Soars Flights to treatment in southeast US.
• Corporate Angel Network Helps arranging free air transportation for cancer patients traveling to treatment using empty seats on corporate jets .
• DAV Veterans Benefit Helps more than one million veterans every year connect with the health care, disability, employment, education, and financial benefits. Offers transportation assistance program.
• Mercy Medical Angels Provides gas cards, train or bus transportation assistance to those traveling in excess of 50 miles to treatment but generally not exceeding 300 miles. Funds are limited.
• Southwest Airlines Medical Transportation Grant Program Southwest provides roundtrip air travel to select hospitals and organizations for cancer treatment.
• Cost Plus Drugs Multiple different medications offered at the lowest cost possible.
• NeedyMeds Needy Meds provides information about programs that help people facing problems paying for medications and health care, and assist patients in applying to such programs.
• NiceRx NiceRx helps individuals access over 1,500 FDA-approved brand name medications.
• Partnership for Prescription Assistance The Partnership for Prescription Assistance helps qualifying patients without prescription drug coverage get the medicines they need for free or nearly free.
• RxHope RxHope lists information about patients assistance programs that offer free or reduced-cost medication in the United States.
• Amgen Safety Net
• Amgen FIRST STEP
• AstraZeneca: Lynparza
• Boehringer Ingelheim
• Bristol Myers Squibb
• Clovis Oncology: Rubraca
• GlaxoSmithKline
• Johnson&Johnson
• Cancer and Careers Cancer and Careers provides information on legal and financial issues that affect cancer patients. Information on understanding your rights, FMLA, career advice and support.
• We Are Capable An advocacy organization working to remove the fear and stigma of living with chronic illness or disability from the hiring process. 
• Fastweb Offers lists of scholarships for patients, survivors, children of a cancer patient or survivor, people who lost a parent to cancer, and students pursuing careers in cancer treatment.
• The Samfund The Samfund provides financial assistance, graduate school scholarships, and online support to young cancer survivors (between ages 21-39).
• The National Collegiate Cancer Foundation The NCCF provides need-based financial support to young adults, ages 18-35, who have been diagnosed with cancer, as well as for bereaved children (parent died from cancer).
• Support for College Students with Cancer Provides information on accommodations, scholarships and strategies to manage treatment related symptoms while in school.

• Kreyòl Ayisyen

Understanding Required Financial Assistance in Medical Care

by Susan Singer, Eric Wilson and Tavi Carare, Office of Research

Many consumers struggle to afford the costs of essential medical services. To bring more focus to the impact of medical bills and collections on consumers, the Consumer Financial Protection Bureau (CFPB) is releasing reports and blogs over the next several months discussing the key financial hurdles the health care system presents to patients and their families. In this research brief, we discuss required financial assistance (also known as charity care), one of the main forms of assistance hospitals offer to low-income consumers to help cover the cost of medical treatment. 1 In the following, we define required financial assistance, explain its sources of funding, who is eligible, and who its likely beneficiaries are. In forthcoming briefs, we intend to discuss the pitfalls of medical credit cards and installment payments in the medical payment space.

What is required financial assistance?

Who is eligible for required financial assistance, who receives required financial assistance, funding for financial assistance, enforcement of state and federal provisions.

Required financial assistance is a form of community benefit involving medical care that is provided for free, or at a discount, to patients who cannot afford to pay. Nonprofit hospitals are required by federal law and some state laws to meet a community benefit standard to maintain significant tax and other financial benefits afforded by their nonprofit status. This standard is met in part by the provision of financial assistance to those who are not able to pay. In addition, federal law and some state laws require hospitals to have written policies that outline information such as eligibility criteria and application requirements to receive financial assistance. Under the Affordable Care Act, nonprofit hospitals must:

• Widely publicize these financial assistance policies
• Provide a paper copy of a plain language summary of the policy as part of their patient intake or discharge process
• Display financial assistance policies in public spaces at the hospital
• Include website links and contact information about the financial assistance program on billing statements 2

Some state laws have additional requirements. For example, all Washington State hospitals are required to inform patients about financial assistance options verbally and in writing and must screen patients for eligibility before attempting to collect payments. 3

Federal law does not specify the criteria hospitals should use to determine who is eligible for financial assistance, but several states have laws and regulations that do. 4 State law eligibility requirements vary widely. For example, Washington State requires hospitals to develop financial assistance policies allowing patients with family incomes below 100% of the federal poverty level (FPL) to receive free care, and patients with family incomes up to 200% of the FPL to receive care at a discount. 5 In some states, such as New Jersey and Massachusetts, the income threshold for free care eligibility is 200% of the FPL. New Jersey law also specifies that financial assistance is available to low-income residents with no health insurance, or with health insurance that pays only part of a medical bill, or for patients ineligible for private or government-sponsored coverage. New Jersey law also specifies the fraction of the bill that patients are responsible for as a function of their incomes. 6

The available evidence indicates that not all patients eligible for financial assistance receive it. 7 Many patients, for example, do not receive legally mandated information about their potential eligibility for financial assistance. A 2015 study suggests that only 44% of hospitals reported that they notified patients about eligibility for financial assistance before attempting to collect unpaid medical bills. 8 This suggests that hospitals can do a lot more to inform patients about financial assistance options available to them.

Among those who do receive required financial assistance, there appears to be a gender imbalance. A Rutgers University study, for example, found that in New Jersey in the early 2000s women accounted for a larger share of financial assistance claims than men by a 2-to-1 margin, and that prenatal care and delivery were the most common financial assistance services provided by New Jersey hospitals. 9

State laws and regulations vary in important ways. Some states provide incentives to hospitals to have well-funded financial assistance initiatives and effective distribution of funds for financial assistance, while other states appear to do little to incentivize the provision of financial assistance. Some states provide property, income, and sales tax exemptions for nonprofit hospitals that provide financial assistance, and have clear requirements or rules related to the provision of financial assistance. 10 Other states provide some or all of these tax exemptions but do not have any additional requirements or rules to provide financial assistance beyond the Affordable Care Act requirements. And some states have no legislation governing the provision of financial assistance at all. These varying policies may, in turn, affect the number of patients who successfully access financial assistance. But there is scant systematic evidence on the impact of various state-level financial assistance policies, and it is difficult to determine whether these policies are a help or a hinderance to obtaining financial assistance by the eligible patients who need it.

Nonprofit hospitals receive significant federal and state tax exemptions. The Joint Committee on Taxation estimated that, in 2002, these tax exemptions amounted to $12.6 billion in tax relief.11 In 2011, the total amount of tax relief was estimated at $24.6 billion. 12 We are not aware of more recent estimates of the total tax relief that nonprofit hospitals receive. Financial assistance and other community benefits provided by hospitals would at least in part be funded from tax exemptions at both the federal, state and local levels. From the data available, it appears that the total amount of tax relief for nonprofit hospitals greatly exceeds the levels of financial assistance hospitals provide in any given year. 13

There are other ways for hospitals in certain states to be reimbursed for the levels of financial assistance they provide. Several states fund financial assistance through dedicated programs. For example, in New Jersey, the Health Care Subsidy Fund allocated $319 million in 2022 to hospitals for financial assistance. 14 In Massachusetts, payments from the Health Safety Net in 2019 amounted to $387 million. 15 These states’ funds have been fully expended each year and are provided in addition to the hospitals’ financial assistance obligations. New York and Pennsylvania also have programs that provide financial assistance to low-income individuals for the cost of medical care. 16

Generally, nonprofit hospitals spend a relatively small fraction of their net income on required financial assistance. A recent study by Johns Hopkins researchers analyzed financial assistance expenditures by nonprofit hospitals and found that in 2017 these hospitals provided $14.2 billion in financial assistance, while they generated approximately $49 billion in overall net income. 17 The study also found that the higher the net income of the hospital, the smaller the percentage of its net income was directed towards financial assistance. Another study, by the California Nurses Association, indicates that, in 2016, financial assistance represented only approximately 20% of California nonprofit hospitals' net income. So, there appears to be some variation in the share of operating expenses that nonprofit hospitals use for financial assistance. Indeed, there appears to be a large gap, at least for some hospitals, between the levels of financial assistance that would be justified by the tax benefits hospitals receive and the levels of financial assistance actually offered.

Financial assistance laws that require hospitals to commit to a certain required level of spending on financial assistance could help bridge the gap between the levels of financial assistance required by those eligible and the levels of financial assistance actually provided. For example, Texas provides three ways for nonprofit hospitals to meet their financial assistance obligations. 18 One of these ways is based on a hospital’s tax-exempt status and requires the nonprofit hospital to provide financial assistance at least equal to a hospital or hospital system’s tax-exempt benefits. 19 A study published in 2010 looked at the effects of requiring nonprofit hospitals in Texas to spend at least four percent of their net patient revenue on government-sponsored indigent care and financial assistance. 20 The study concluded that nonprofit hospitals that were spending less than four percent of net patient revenues on financial assistance increased their spending on financial assistance, whereas those with spending above four percent exhibited a marginally significant decrease in their spending.

Consistent with the general underutilization of financial assistance, we found little evidence that compliance with financial assistance rules is systematically monitored and enforced at the federal level. However, at the state level, many state attorneys general monitor and enforce compliance with state laws mandating the provision of financial assistance to qualifying patients. Some states’ monitoring and enforcement is non-public, while other states’ enforcement actions are public. For example, recently, the Washington State Attorney General filed a lawsuit alleging that 14 hospitals in the state failed to provide free or discounted medical care to low-income patients and pressured them to pay even if they were eligible for financial assistance. 21

Enactment of state laws by additional states and more enforcement actions could help more patients gain access to financial assistance hospitals are required to provide. The North Carolina State Health Plan and the Johns Hopkins Bloomberg School of Public Health released a report in 2021 that concluded that there is no public official or agency in North Carolina that is charged with enforcing the provision of financial assistance by nonprofit hospitals. The report indicated that this lack of oversight rewards hospitals that collect the state tax exemption without providing sufficient levels of financial assistance. 22

Access to required financial assistance can provide significant relief to the patients and families impacted by medical bills and collections, but financial assistance for medical care appears to be underused. More work by academic researchers and public policy specialists needs to be done in this area to understand how to improve access to financial assistance for the eligible families who are seeking it and ensure that the benefits flow to the intended beneficiaries.

• We use the term required financial assistance or financial assistance instead of the term charity care because they more accurately reflect that hospitals benefitting from various federal and state tax exemptions have a legal requirement to provide financial assistance to those who cannot afford the cost of care.
• Requirements for 501(c)(3) Hospitals Under the Affordable Care Act – Section 501(r), Internal Revenue Service, https://www.irs.gov/charities-non-profits/charitable-organizations/requirements-for-501c3-hospitals-under-the-affordable-care-act-section-501r
• Washington Administrative Code Chapter 246-453. https://app.leg.wa.gov/wac/default.aspx?cite=246-453&full=true
• The Hilltop Institute provides a useful summary of state community benefit laws, see https://hilltopinstitute.org/our-work/hospital-community-benefit/hospital-community-benefit-state-law-profiles/ .
• See https://doh.wa.gov/data-statistical-reports/healthcare-washington/hospital-and-patient-data/hospital-patient-information-and-charity-care
• For example, patients with income below 200% of the HHS Poverty Income Guidelines level who satisfy certain asset criteria should receive assistance for the full amount of their payment. See New Jersey Hospital Care Payment Assistance Fact Sheet , available online at https://www.state.nj.us/health/charitycare/documents/charitycare_factsheet_en.pdf .
• See e.g., Dranove, D., Garthwaite, C., Ody, C. “A Floor-and Trade Proposal to Improve the Delivery of Charity Care Services by U.S. Noprofit Hospitals,” The Hamilton Project, Discussion Paper 2015-0, October 2015; Mose, J., “A multilevel mixed-effects regression analysis of the association between hospital, community and state regulatory factors, and family income eligibility limits for free and discounted care among U.S. not-for-profit, 501 (c)(3), hospitals, 2010 to 2017,” BMC Health Services Research, 21:230, 2021; O’Toole, T, Arbelaez, J, Lawrence, The Baltimore Community Healthy Consortium, “Medical Debt and Aggressive Debt Restitution Practices, Predatory Billing Among the Urban Poor, J. Gen Intern Med, 19:772-778, 2004.
• Saveh, S. et al. “Hospital Charity Care — Effects of New Community-Benefit Requirements,” NEJM 2015; 373:1687-1690 https://www.nejm.org/doi/10.1056/NEJMp1508605 .
• See DeLia, D. (2007) “Evaluation of the Hospital Charity Care Program in New Jersey,” Rutgers Center for State Health Policy, available online at http://www.cshp.rutgers.edu/downloads/7060.pdf .
• See fn. 9 above. Also see https://www.nclc.org/images/pdf/medical-debt/Rpt_Ounce_of_Prevention.pdf .
• See https://www.cbo.gov/sites/default/files/109th-congress-2005-2006/reports/12-06-hospitaltax.pdf .
• The $24.6 billion estimate includes federal income tax, state income tax, state and local sales taxes and local property taxes. Rosenbaum, S, Kindig DA, Bao J, Byrnes MK, O’Laughlin C. “The Value of the Non-Profit Hospital Tax Exemption was $24.6 Billion in 2011” Health Affairs , 2015: 37(7): 1225-1233.
• Nonprofit hospitals provide other forms of community benefits in addition to required financial assistance. It is also worth highlighting that, overall, the data characterizing these benefits are limited.
• See https://www.nj.gov/health/charitycare/subsidy-reports/SFY2022_Charity_Care_Subsidy_Allocation.pdf .
• See https://www.mass.gov/doc/hsn-annual-report-december-2019-1/download
• For a description of New York’s Indigent Care Pool, see https://www.health.ny.gov/press/reports/docs/2019_icp_workgroup_report.pdf ; for Pennsylvania,
• Bai G, Yehia, F, Anderson, G, “Charity Care Provision by Non-Profit Hospitals”, JAMA Internal Medicine , April 2020, vol. 180 (4), 606-607.
• Tex. Health & Safety Code Ann. § 311.045(b)(1); Tex. Tax Code Ann. § 11.1801(a) https://texreg.sos.state.tx.us/public/readtac$ext.TacPage?sl=T&app=9&p_dir=N&p_rloc=133588&p_tloc=&p_ploc=1&pg=5&p_tac=&ti=25&pt=1&ch=13&rl=13 . The second standard is charity care and community benefits are provided in a combined amount equal to at least 5% of the hospital’s or hospital system’s net patient revenue provided that charity care and government sponsored indigent health care are equal to at least 4% of net patient revenues. The third standard is to provide charity care and government-sponsored indigent health care at a level that is reasonable in relation to community needs as determined through the community needs assessment.
• Another standard is based on a percent of net patient revenues (charity care and community benefits are provided in a combined amount equal to at least five percent of the hospital's or hospital system's net patient revenue, provided that charity care and government-sponsored indigent health care are provided in an amount equal to at least 4 percent of net patient revenue).
• Kennedy, F., Burney, L., Troyer, J., Stroup, J., “Do Non-Profit Hospitals Provide More Charity Care When Faced With a Mandatory Minimum Standard? Evidence from Texas,” Journal of Accounting and Public Policy , 29(3), June 2010, 242-258.
• State of Washington v. Providence Health & Services-Washington: Swedish Health Services; Swedish Edmonds; and Kadlec Regional Medical Center, Complaint for Injunctive and Other Relief Under the Consumer Protection Act, RCW 19.86, Case No. 22-2-01754-6 SEA, filed February 24, 2022.
• North Carolina State Health Plan and Johns Hopkins Bloomberg School of Public Health, “North Carolina Hospitals: Charity Care Case Report”, October 27, 2021.

Research Medical Center Offers Financial Assistance

Introduction, what is a research medical center, what financial assistance is available, how to apply for financial assistance, who is eligible for financial assistance, what are the criteria for financial assistance, how is financial assistance determined, what if i do not qualify for financial assistance, what are the alternatives to financial assistance.

If you’re struggling to pay for medical care, you may be eligible for financial assistance from Research Medical Center Learn more about our program and how we can help you.

Checkout this video:

Watch this video on YouTube

Research Medical Center is committed to providing high-quality, affordable healthcare to our patients. We understand that medical bills can be a financial burden, and we offer several options to help our patients pay their bills.

We offer a variety of financial assistance programs, including payment plans, discounts for prompt payment, and assistance for patients who qualify based on income and other factors. We also offer extended payment terms for patients with high deductible insurance plans.

We understand that each patient’s financial situation is unique, and we will work with you to find a plan that fits your needs. For more information about our financial assistance programs, please call our Patient Financial Services department at 555-555-1234.

A research medical center is a hospital that is engaged in both patient care and medical research. These centers are usually affiliated with a university or medical school, and they often have specialized programs for certain diseases or conditions. Some of the most well-known research medical centers in the United States include the mayo clinic Johns Hopkins Hospital, and Massachusetts General Hospital.

These centers typically have a higher level of resources and staff than other hospitals, which allows them to provide more comprehensive care for patients. They also generally offer more clinical trials for new treatments, which can give patients access to cutting-edge therapies that are not yet available elsewhere.

Research medical centers typically offer financial assistance programs to help patients with the cost of their care. These programs may be need-based or income-based, and they may cover all or part of the cost of treatment.

The Research Medical Center offers a variety of financial assistance programs to help patients with the cost of their medical care.

The center offers programs for those who are uninsured, underinsured, or have difficulty paying for their medical care. There are also programs available for patients with special financial needs, such as those who are facing a terminal illness.

Patients can apply for financial assistance through the center’s website or by calling the center’s customer service number.

If you are facing a medical financial hardship, you may be wondering how to apply for financial assistance. Research Medical Center is committed to helping our patients and their families in times of need and has a variety of programs available to assist with medical expenses.

To learn more about the financial assistance programs offered at Research Medical Center, please call our Patient Financial Services Department at (123) 456-7890.

Individuals or families who do not have insurance and are unable to pay for their medical care may be eligible for financial assistance from Research Medical Center. Eligibility is based on a variety of factors, including income, assets, and medical need. To learn more about financial assistance and to see if you qualify, please visit our website or call our offices.

To be eligible for Financial Assistance, a patient must: -Be a U.S. citizen or legal resident -Demonstrate financial need -Have a medical condition that requires treatment at Research Medical Center

Certain medical conditions may also qualify patients for Financial Assistance, including: -Cancer -Heart disease -Kidney disease -Pregnancy -Stroke

RMC offers a variety of options to those who need help paying for their medical care. We understand that a medical emergency can be costly and cause financial hardship. Our Financial Counselors are available to help you apply for government programs, review your insurance benefits, and determine if you qualify for RMC’s Financial Assistance Policy.

What is RMC’s Financial Assistance Policy? RMC provides free or discounted care to patients who cannot afford to pay their medical bills. To qualify, patients must meet certain income guidelines and provide documentation of their financial situation. RMC’s Financial Counselors will work with you to determine if you qualify for assistance.

How is Financial Assistance Determined? Financial assistance is based on the Federal Poverty Level (FPL), which is updated each year by the Department of Health and Human Services. The FPL is used to determine if someone qualifies for government programs like Medicaid or the Children’s health insurance Program (CHIP). The FPL is also used to determine eligibility for RMC’s Financial Assistance Policy.

Income Guidelines for 2018* Family Size Yearly Income 1 $12,140 2 $16,460 3 $20,780 4 $25,100 5 $29,420 6 $33,740 7 $38,060 8 $42,380

If you do not qualify for our financial assistance program, we offer a number of options to help make your stay more affordable. We understand that medical treatment can be costly, and we are committed to working with you to ensure you receive the care you need.

Some of the options we offer include: – Payment plans – Discounts for prompt payment – Financial assistance from outside agencies – Refunds for overpayments – Sliding scale fees based on income

Financial assistance is not the only way to pay for medical care. There are a number of alternatives that may be available to you, depending on your situation.

One option is to use insurance. If you have health insurance you may be able to use it to cover some or all of your medical expenses. However, you will likely have to pay deductibles and copayments.

Another option is to use credit cards. You can put your medical expenses on a credit card and then pay the bill over time. This can be a good option if you don’t have the money upfront but can afford to make monthly payments.

You could also take out a loan. You may be able to get a loan from a bank or other financial institution to pay for your medical expenses. This can be a good option if you have good credit and can afford the monthly payments.

Some people also choose to fundraise to pay for their medical expenses. This can be done through online platforms like GoFundMe or Kickstarter, or by organizing offline events like bake sales or car washes.

Finally, some people choose to use personal savings to pay for their medical care. This can be a good option if you have the money saved up and don’t want to take on debt.

The Research Medical Center offers a variety of financial assistance programs to help patients with the cost of their care.

The hospital offers a discount for patients who pay their bill in full within 30 days of their discharge. The Research Medical Center also offers a payment plan for patients who are unable to pay their bill in full. Patients can make regular payments on their account over a period of time.

The hospital also offers financial assistance for patients who meet certain income criteria. Patients who qualify for financial assistance will have their bill reduced based on their income level.

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The Impact of Financial Assistance Programs on Health Care Utilization

Most hospitals and managed care organizations have financial assistance programs that aim to reduce financial burdens and improve health care access for low-income patients. We use administrative data from Kaiser Permanente to study the effects of financial assistance on health care utilization. Using a regression discontinuity design based on an income threshold for program eligibility, we find that financial assistance significantly increases health care utilization initially, though effects dissipate three quarters after program receipt. Financial assistance also increases the detection of and medication refills for treatment-sensitive conditions, suggesting financial assistance may increase receipt of high-value care.

We thank Andrea Altschuler, Somalee Banerjee, and Lin Ma for substantial assistance during the course of this study. This work was supported by the Becker-Friedman Institute at the University of Chicago and the National Institute on Aging, Grant Number T32-AG000186 as well as the Targeted Analysis Plan sponsored by the Kaiser Permanente Delivery Science and Applied Research Program. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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Adams, Alyce, Raymond Kluender, Neale Mahoney, Jinglin Wang, Francis Wong, and Wesley Yin. 2022. " The Impact of Financial Assistance Programs on Health Care Utilization: Evidence from Kaiser Permanente. " American Economic Review: Insights, 4 (3): 389-407.

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Patient Financial Assistance

Masshealth members need to renew their health insurance..

It’s important to have health insurance at all times, so that your medical appointments, prescriptions, and lab tests are covered. Every year, people who are covered by MassHealth need to renew their health insurance to keep their no-cost coverage

Update your contact and other personal information to make sure you stay covered. Learn more on Mass.gov.

Boston Medical Center (the "Hospital" or "BMC"), in partnership with its licensed Community Health Centers, will provide high quality, accessible, medically necessary services, without cost or at a reduced cost, to eligible patients.

The Hospital will help uninsured and underinsured individuals apply for health coverage through a public assistance program or the Hospital's financial assistance program (including but not limited to MassHealth, the premium assistance payment program operated by the Health Connector, the Children's Medical Security Program, the Health Safety Net, and Medical Hardship). BMC will not charge patients deemed eligible under the financial assistance policy more than Amounts Generally Billed for emergency or other medically necessary care.

The Hospital provides financial assistance to low-income uninsured and underinsured patients who are Massachusetts residents and with incomes up to 300% of the federal poverty level. A Massachusetts resident of any income may qualify for Medical Hardship through the Health Safety Net if allowable medical expenses have so depleted his or her countable income that he or she is unable to pay for health services.

How to Apply:

Patients requesting financial assistance should complete the confidential Financial Assistance Program Application. All applications, supporting documentation, and communication will be treated as confidential.

The following documents are available for download by clicking on the links below

• Financial Assistance Policy
• Plain Language Summary (PLS) of the Financial Assistance Policy
• Financial Assistance Program Application
• Seniors Financial Assistance Program Application (For patients over 65)
• Eligibility Guidelines and Discounts
• Billing and Collections Policy
• Patient Quick Reference Guide
• List of required documentation to apply for coverage
• Ayuda económica para pacientes
• Política de ayuda económica de BMC: Resumen en lenguaje sencillo
• Solicitud de Massachusetts para la cobertura de salud y dental, y ayuda para pagar los costos
• Solicitud de cobertura de salud para personas de la tercera edad y personas que requieren servicios de atención a largo plazo
• Pautas de elegibilidad del Programa de Atención de Caridad de BMC 2022
• Programa de asistencia financiera de Boston Medical Center
• Lista de documentos requeridos para solicitar cobertura de seguro

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• Asistans Finansye Pou Pasyan
• Règleman sou Asistans Finansye BMC: Rezime an langaj senp
• Gid 2022 pou Detemine Kalifikasyon Yon Moun nan Charity Care Program BMC 
• Pwogram èd finansye nan Boston Medical Center
• Lis Dokiman Obligatwa pou Aplike pou Kouvèti Asirans
• Assistência Financeira ao Paciente
• Política de Assistência Financeira do BMC: Resumo em Linguagem Simples
• Diretrizes do Programa de Assistência Beneficente do BMC para Elegibilidade 2022
• Programa de Assistência Financeira do Boston Medical Center
• Lista da documentação necessária para se candidatar para cobertura de seguro
• Hướng dẫn về Chính sách và Thủ tục
• Chính sách Hỗ trợ Tài chính của BMC: Bản Tóm tắt bằng Ngôn ngữ Đơn giản
• Chương Trình Trợ Giúp Tài Chánh Của Trung Tâm Y Khoa Boston
• Danh sách các Tài liệu Cần thiết để Đăng ký Bảo hiểm
• 2022 Hướng dẫn về Điều kiện Hội đủ của Chương trình Chăm sóc Thiện nguyện của BMC

Additional information is available:

• In any patient registration area within the Hospital; 
• By calling the Financial Counseling Department at 617.414.5155
• By emailing [email protected]
• By making a written request to the address below: 

Boston Medical Center Attention: Financial Counseling Office 840 Harrison Avenue, Room BR-03 Boston, MA 02118

A Note About COVID-19 Billing

Learn more if you need help with medical bills related to COVID-19.

Financial Assistance with a Hospital Bill

If you received a bill for eligible care at a Med Center Health Hospital, you may be entitled to several different forms of assistance.

Uninsured or Self-pay Discounts

All self-pay patients receiving care at a Med Center Health hospital are automatically entitled to a 40% discount. You may also be eligible for a 10% Quick Pay Discount. For additional details on these discounts, you can visit our Self Pay page .

Payment Plans

We offer payment plans with 0% interest and no fees to you. Please visit our Payment Plan page for additional details.

Financial Assistance

If your household income is less than or equal 400% of the federal poverty limit , you may be eligible for Financial Assistance. Those with household incomes less than or equal to 200% of this limit may be eligible for 100% discounts of their bill. Patients with household incomes between 201% and 300% of the federal poverty limit may be eligible for a 50% discount, and those with household incomes between 301% and 400% may be eligible for a 25% discount. Please see our policies below for full details or contact a Customer Service representative.

Plain Language Summary (English)

Plain Language Summary (Spanish)

Plain Language Summary (Bosnian)

Plain Language Summary (Burmese)

Plain Language Summary (Swahili)

Financial Assistance Policy (English)

Financial Assistance Policy (Spanish)

Financial Assistance Policy (Bosnian)

Financial Assistance Policy (Burmese)

Financial Assistance Policy (Swahili)

Hospital Facilities Participating (English)

Hospital Facilities Participating (Bosnian)

Hospital Facilities Participating (Burmese)

Hospital Facilities Participating (Spanish)

Hospital Facilities Participating (Swahili)

Amount Generally Billed

Med Center Health uses the “look-back” method to calculate the amount generally billed (AGB) as required by federal law. The AGB is the maximum amount we will collect from a patient who is eligible for Financial Assistance under our Financial Assistance Policy. The AGB percentage is based on all claims allowed by Medicare fee for service and private health insurers over a 12-month period divided by the associated gross charges for those claims. The following is percentages were calculated on this basis for the time period of October 2022 through September 2023 for each of our hospitals. If you have any questions or wish to speak with us about this policy, please contact us at the Customer Service contact information at the bottom of this page.

• The Medical Center at Albany AGB percentage is 26.7%.
• The Medical Center at Bowling Green AGB percentage is 27.9%.
• The Medical Center at Caverna AGB percentage is 40.9%.
• The Medical Center at Franklin AGB percentage is 35.8%.
• The Medical Center at Scottsville AGB percentage is 35.9%.
• Commonwealth Regional Specialty Hospital AGB percentage is 29.2%.

How to apply for financial assistance:

You may print the application forms below to complete them and mail with the required documentation as outlined in the forms. You may also drop them off in person at the address below. Also, if you want assistance in completing them, contact Customer Service.

Customer Service 270-745-1100 or 800-786-1581 800 Park Street PO Box 9577 Bowling Green, KY 42102-9577

Financial Assistance Application – Hospital (English)

Financial Assistance Application – Hospital (Bosnian)

Financial Assistance Application – Hospital (Burmese)

Financial Assistance Application – Hospital (Spanish)

Financial Assistance Application – Hospital (Swahili)

Commonwealth Financial Resources 800 Park Street Bowling Green, KY 42102

(800) 786-1581 (270) 745-1100 (270) 745-1417 Fax

© Med Center Health - All Rights Reserved.

Financial Assistance

The Hunt Regional Healthcare Financial Assistance Program (FAP) provides financial assistance to eligible individuals and families who are unable to pay for their medical care. Hunt Regional Healthcare funds the FAP, and it is available to patients who meet certain income and asset requirements. To be eligible, patients must have received care at a Hunt Regional Healthcare facility and are experiencing financial hardship. The FAP can help patients pay for their medical bills, including copays, deductibles, and other out-of-pocket expenses. A patient's financial assistance will vary depending on their income and assets. Patients can apply for the FAP by completing an application form. The application form is available online or at any Hunt Regional Healthcare facility. The FAP is a valuable resource for patients who are struggling to pay for their medical care. The program can help patients get the care they need without going into debt.

• The FAP is available to eligible individuals and families who are unable to pay for their medical care.
• Hunt Regional Healthcare funds the FAP.
• Patients must meet certain income and asset requirements to be eligible.
• The FAP can help patients pay for their medical bills, including copays, deductibles, and other out-of-pocket expenses.
• A patient's financial assistance will vary depending on their income and assets.
• Patients can apply for the FAP by completing an application form found in the Financial Assistance Program PDF.

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Financial Assistance

UChicago Medicine recognizes that patients and their families may need help paying for health services if they do not have health insurance or if their insurance does not cover their entire bill. We offer discounts based on financial need, which may cover all or part of a patient’s account balance(s).

All patients may apply for financial assistance. In some cases, such as for children, the individual responsible for paying the patient’s bills (known as the guarantor) can apply for financial assistance.

Financial Assistance Criteria

Proven financial need, household income, family size and other resources determine if a patient can get a discount on their balance due:

• Patients with household incomes at 200 percent or less of the federal poverty level can receive a 100 percent discount.
• Patients with household incomes above 200 percent but below 600 percent of the federal poverty level can receive an 80 percent discount.
• In addition, patients whose UChicago Medicine bills for one year total 20 percent or more of their annual adjusted gross income will not have to pay more than 20 percent of their income for all of those bills.
• Discounts only apply to emergency treatment and medically necessary health care services. Non-medically necessary services, such as cosmetic procedures, are not discounted.

Patients who receive financial assistance cannot be charged more than the amounts generally billed by UChicago Medicine.

Applying for Financial Assistance

How to apply for financial assistance.

The process for applying for financial assistance is as follows:

• Download and fill out the application for financial assistance, which is available in English  or in Spanish .
• Supply supporting documents listed on the application, including copies of tax returns and proof of income (e.g., pay stubs).
• Sign the application and return it with required documentation as soon as possible to the following address:

The University of Chicago Medicine 150 Harvester Dr., Ste 300 Burr Ridge, IL 60527-5965

• We will review the application and back-up documents and notify you if additional information is required.
• You will receive written notification of an approval for financial assistance or a denial (and the reason the request is denied), typically within 10 business days of our receipt of all required documents.

Additional information is available on request

• Over the phone: 773-702-6664 or toll-free at 1-844-843-3594
• In person: Mitchell TS200 8 a.m. to 4:30 p.m.
• Email: [email protected]

Languages other than English can be assisted.

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Healthcare in Moscow – Personal and Family Medicine

Emergency : 112 or 103

Obstetric & gynecologic : +7 495 620-41-70

About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid  Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic ,  Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

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