Check if your hospital is required to offer financial assistance
Every nonprofit hospital in the U.S. must offer a Financial Assistance Policy under federal law. Most patients never find out they qualify. Check in 10 seconds — no account needed.
Start typing a hospital name to check for financial assistance.
Helping patients dispute bills from thousands of nonprofit hospitals across the U.S. — including
Hospital names shown for identification only. BillRazor is not affiliated with, endorsed by, or sponsored by any hospital.
How it works
Watch how BillRazor helps families reduce or eliminate hospital bills.
Four steps. No phone calls.
1. Upload my bill
Take a photo or upload a PDF of your hospital bill. No account needed. BillRazor reviews it in under 60 seconds and identifies potential savings.
2. We check your eligibility
BillRazor cross-references your hospital against our database of over 3,000 nonprofit hospitals. Based on your household size and income, we determine if you qualify for financial assistance — potentially reducing your bill to $0.
3. We file everything for you
BillRazor prepares and submits the financial assistance application on your behalf — certified mail, fax, and follow-ups included. We also review your bill for pricing errors and overcharges, running two strategies at once.
4. Your bill drops
When the hospital approves your application or accepts our pricing dispute, your bill is reduced. Our fee is 20% of the savings, capped at $499. If we don't save you money, you pay nothing.
Do you qualify?
Every hospital sets its own thresholds. These are common examples based on 2025 Federal Poverty Level guidelines. Many hospitals are even more generous.
| Family Size | May Qualify for Free Care | May Qualify for Discount |
|---|---|---|
| 1 | Under $31,300 | Under $62,600 |
| 2 | Under $42,300 | Under $84,600 |
| 3 | Under $53,300 | Under $106,600 |
| 4 | Under $64,300 | Under $128,600 |
| 5 | Under $75,300 | Under $150,600 |
| 6 | Under $86,300 | Under $172,600 |
| 7 | Under $97,300 | Under $194,600 |
| 8 | Under $108,300 | Under $216,600 |
Based on 200% FPL (free care) and 400% FPL (discounted care) — common hospital thresholds. Your hospital's thresholds may differ. BillRazor checks the exact policy for your hospital.
Frequently asked questions
What is hospital financial assistance?+
Federal law requires every nonprofit hospital to offer a Financial Assistance Policy. This means free or discounted care for patients whose income falls below certain thresholds. More than half of all U.S. hospitals are nonprofit and must comply with this law.
How do I know if my hospital is nonprofit?+
Upload your bill and BillRazor checks automatically. We maintain a database of over 3,000 nonprofit hospitals and their specific financial assistance thresholds. You'll know in seconds whether your hospital offers assistance.
I already paid my bill. Can I still get help?+
Yes. Under federal law, nonprofit hospitals must refund payments made by patients who qualify for financial assistance — even after the bill has been paid. BillRazor can file the application and pursue a refund on your behalf.
My bill is in collections. Is it too late?+
No. Federal law prohibits nonprofit hospitals from sending bills to collections without first screening patients for financial assistance. If your hospital skipped this step, BillRazor can challenge the collections action and file for financial assistance simultaneously.
I have insurance. Do I still qualify?+
Many hospitals offer financial assistance to insured patients for copays, deductibles, and coinsurance. Eligibility depends on the hospital's specific policy. Some hospitals also provide automatic discounts for uninsured patients. BillRazor checks the exact policy for your hospital.
What documents will I need?+
Most hospitals require proof of income such as a recent tax return, pay stubs, or a letter from a government assistance program. BillRazor will tell you exactly what your specific hospital requires and help you compile the application package.
How much does BillRazor charge?+
Nothing upfront. If we reduce your bill, our fee is 20% of the savings, capped at $499. If we don't save you money, you pay nothing. The initial bill review is always free.
How long does the process take?+
Your initial review takes 60 seconds. If you qualify for financial assistance, BillRazor files the application within days. Most hospitals respond within 4 to 6 weeks. BillRazor follows up on your behalf until you have a resolution.
Don't pay a bill you don't owe
Upload your hospital bill. BillRazor checks if your hospital is nonprofit, screens your eligibility, and handles the entire application process. 60 seconds to find out if your bill could disappear.