Determining eligibility for financial assistance
To determine your eligibility for financial assistance, we consider:
The medical necessity of services received. In short, medically necessary services save your life, make you well or prevent a medical condition from becoming worse. There is a detailed definition of medically necessary services in the CHI policy.
Medical necessity will be determined by a physician. In determining medical necessity, we follow all requirements of the federal Emergency Medical Treatment and Active Labor Act and applicable laws and regulations.
Your ability to pay for the services. We look at household income, family size, available resources and expected future income (minus living expenses). You may qualify for 100 percent of your care provided for free, or a discounted charge under one or both of these criteria:
- An annual family income that is less than or equal to 400% of the federal poverty level, as determined by guidelines published annually by the U.S. Department of Health and Human Services (FPL).
- You are considered medically indigent. This means that paying the full cost of your medical care, after any health insurance payment, would cause you to become impoverished. This could apply if you are uninsured, are underinsured or suffer a catastrophic illness.
Applying for financial assistance
When you are registered as a patient, we will ask about your coverage for healthcare services. If you don't have coverage or it is not likely to be sufficient, we will either give you a packet of information that covers our financial assistance policy or offer the immediate assistance of a financial counselor, who will go over the financial assistance application with you.
You will need to complete the financial assistance application (financial assistance application—Spanish), provide all information it requests and submit it to us.
If it is determined you are eligible for assistance, we will notify you and let you know how much assistance is available. If it is determined you are not eligible for assistance, we will let you know that in writing and give a brief explanation of the reason.
It's important to note that if you do not have insurance, you will not be charged more for services than the amount generally billed to those who have insurance.