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CHS Financial Assistance Program

CHS Financial Assistance Program
Mark Cappel
UpdatedFeb 19, 2024
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    2 min read
Key Takeaways:
  • Learn if you qualify for charitable or government assistance.
  • CHS may offer a discount if your income is low.
  • How to learn more about bankruptcy and medical debt settlement.

Options to Solve Your CHS Health Bills

Consider your options if you cannot afford your medical bill at a Community Health Systems-affiliated hospital, clinic or surgery center.

Call or visit the billing department. Financial counselors will help you find possible sources of patient financial assistance, including:

  • Government medical assistance, such as Medicare and Medicaid
  • Private financial assistance, such as local charities
  • If your income is low, you may qualify for Community Health Systems charity care for emergency care, or
  • Community Health Systems patient financial assistance, which is a discount plan

See the Bills.com article How to Handle Medical Bills Debt to learn if you qualify for Medicaid and where to find private charity sources.

Community Health Systems Charity Care

Each Community Health Systems facility offers its own charity and financial assistance programs. Community Health Systems charity care is for people who have no insurance, need emergency non-elective care, and have limited financial resources or income that is at or below poverty guidelines.

Community Health Systems At A Glance

Community Health Systems's affiliates own, operate or lease 135 hospitals in 29 states. In more than 55 percent of the markets served, CHS-affiliated hospitals are the sole provider of healthcare services.

Complete a form provided by your local CHS care provider and include income and resource verification information to qualify for Community Health Systems's charity or financial assistance programs.

Community Health Systems Financial Assistance Program

You qualify for the Community Health Systems financial assistance if you have no insurance and do not qualify for Medicaid, charity care, or other assistance. You will receive a bill containing a discount of the total charges.

Help For CHS Medical Debt

Talk to a Bills.com debt settlement partner to learn your options to resolving your medical debt.

Community Health Systems providers will negotiate with patients experiencing financial difficulties and will try to create an affordable payment plan.

Bills Action Plan

Ask your Community Health Systems medical provider's billing office to help you understand your options to resolve your CHS bill. Your options include qualifying for:

  • Government assistance
  • Assistance from local organizations
  • Charity care assistance
  • Financial assistance program assistance

Which of these you qualify for depends on your financial circumstances.

Dealing with debt

Debt is used to buy a home, pay for bills, buy a car, or pay for a college education. According to the NY Federal Reserve total household debt as of Q4 2023 was $17.503 trillion. Auto loan debt was $1.607 trillion and credit card was $1.129 trillion.

According to data gathered by Urban.org from a sample of credit reports, about 26% of people in the US have some kind of debt in collections. The median debt in collections is $1,739. Student loans and auto loans are common types of debt. Of people holding student debt, approximately 8% had student loans in collections. The national Auto/Retail debt delinquency rate was 4%.

Collection and delinquency rates vary by state. For example, in Delaware, 15% have student loan debt. Of those holding student loan debt, 8% are in default. Auto/retail loan delinquency rate is 4%.

Avoiding collections isn’t always possible. A sudden loss of employment, death in the family, or sickness can lead to financial hardship. Fortunately, there are many ways to deal with debt including an aggressive payment plan, debt consolidation loan, or a negotiated settlement.

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