Under IRC Section 501(r), nonprofit hospitals are legally required to maintain a Financial Assistance Policy and screen patients for eligibility — yet most patients never hear about it before a bill goes to collections. Medigami's charity-care screener asks three questions (household size, annual income, state) and gives an honest estimate of whether you likely qualify.
Most hospital Financial Assistance Policies use tiers based on the Federal Poverty Level (FPL): patients under roughly 200% FPL often qualify for 100% forgiveness, with sliding-scale discounts up to 400% FPL or higher depending on the hospital. The exact thresholds are set by each hospital's own policy, not by federal law.
If you qualify, we can help you file the paperwork and follow up with the hospital. If you don't, or if you're dealing with a denied insurance claim instead, the free Denial Decoder is the next step.
Educational information only. Not legal or financial advice. Actual eligibility and discount amounts are set entirely by each hospital's own Financial Assistance Policy.
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We check any medical bill against standard Medicare rates and flag overcharges, duplicates, and billing mistakes — in about 60 seconds.
Built for fertility patients: we check every line of an IVF bill, flag low-value add-ons, and include a cost estimator that uses your state's rules plus a clinic finder.
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