How to apply for Hospital Financial Assistance
California hospitals must maintain financial-assistance and discount-payment policies for eligible patients. You can ask before care, during your stay, or after a bill arrives.
Who it's for
Patients who received hospital care and cannot afford the bill, whether or not they have insurance.
How to apply
- 1
Ask the question directly
Call the hospital billing office or patient financial services and ask: "Do you have a financial-assistance or charity-care program?"
- 2
Request the application and the policy
Ask for the application form and the written policy, which shows the income limits used to decide. Ask for both in your language if possible.
- 3
Ask them to pause collection while you apply
Many hospitals will hold the bill while your application is reviewed. Ask for that in writing if you can.
- 4
Fill out the form and attach proof of income
Include pay stubs, a benefits letter, or a statement explaining that you have no income. Submit before the deadline printed on the form.
- 5
Keep records of everything
Note the date, who you spoke with, and what they told you. Keep copies of the bill and everything you send.
- 6
Ask about a payment plan or a reduced bill
If you do not qualify for full assistance, ask for a discount, an itemized bill to check for errors, or an interest-free monthly payment plan.
What to have ready
- The hospital bill or account number
- Proof of income, or a written statement if you have no income
- Household size information
- Proof of address
- Your insurance information, if you have insurance
Where to apply
Good to know
- You can ask for financial assistance even after the bill is overdue.
- Ask for an itemized bill — mistakes on hospital bills are common.
- Never skip emergency care because of cost. For a life-threatening emergency, call 911 or go to an emergency room.
This California guide is general information, not an official eligibility decision. Requirements vary by program and can change. A resettlement agency, county benefits office, or Covered California enrollment counselor can help you confirm your options.