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HCA Patient Financial Assistance

HCA Patient Financial Assistance
Mark Cappel
UpdatedSep 18, 2023
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    2 min read
Key Takeaways:
  • Learn if you qualify for private charitable or government assistance.
  • HCA may forgive a debt, or offer you a substantial discount if your income is low.
  • How to learn more about medical debt settlement and bankruptcy.

Your Options to Solve Your HCA Medical Bills

You have options if you cannot afford to pay your HCA medical bill.

Talk to the billing department at your HCA hospital or HCA surgery center. HCA's financial counselors will walk you through your possible sources of patient financial assistance, including:

  • Government sources of medical assistance, including Medicare and Medicaid
  • Private sources of financial assistance, including local charities
  • HCA's charity care if your income is low
  • HCA financial assistance program, which offers discounts if your income is low

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

HCA Charity Care

You qualify for HCA Charity Care if you have no insurance, need emergency non-elective care, and have financial resources and/or income to at or below 200 percent of the Federal Poverty Level.

HCA At A Glance

Hospital Corp. of American (HCA) is a Nashville, Tenn. operator of 160 hospitals and 110 surgery centers in 20 US states and London, England. It was founded in 1968.

You need to to complete a simple form and provide income and resource verification information to qualify for HCA Charity Care.

HCA Financial Assistance Program

You qualify for the HCA financial assistance if you have no insurance and do not qualify for Medicaid, charity care, or other assistance, and your household financial resources and/or income is more than 200 percent of the Federal Poverty Level. You will receive a bill containing a discount of the total charges.

Help For HCA Medical Debt

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

HCA will negotiate with its patients who have financial difficulties and attempt to create a payment plan based on the amount due and the patient’s financial status.

If after negotiating with your HCA hospital or surgery center you still have a medical bill you cannot afford, you need to explore your other options to learn how to handle your medical bills, including debt settlement and bankruptcy.

Bills Action Plan

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

  • Government assistance
  • Assistance from local organizations
  • HCA charity assistance
  • HCA payment assistance

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

Debt statistics

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 Q2 2023 was $17.06 trillion. Auto loan debt was $1.582 trillion and credit card was $1.031 trillion.

A significant percentage of people in the US are struggling with monthly payments and about 26% of households in the United States have debt in collections. According to data gathered by from a sample of credit reports, the median debt in collections is $1,739. Credit card debt is prevalent and 3% have delinquent or derogatory card debt. The median debt in collections is $422.

The amount of debt and debt in collections vary by state. For example, in West Virginia, 37% have any kind of debt in collections and the median debt in collections is $1459. Medical debt is common and 24% have that in collections. The median medical debt in collections is $553.

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.



FFaiz Nur, May, 2020

I was HCA hospital before but now i received bill for financial assistance application from hospital but i don't know how do it so now i want help please. Kindly.

DDaniel Cohen, Jul, 2020

Faiz, use this link to the HCA website. Read the info and contact HCA directly using the contact us info on the page.

JJim Lindamood, Jan, 2020

I was recently hospitalized and have now received a large bill that my Medicare didn't cover. I'd like to set up a payment plan to take care of the out of pocket charges.

DDaniel Cohen, Jan, 2020


You didn't reach HCA, but left your comment at, likely having done a search online and then clicking on a link to our article about HCA.

Please do another search with "HCA" and the name of the city or strate in which you live, e.g., "HCA Houston" or "HCA Virginia." If it happens that either of those areas apply to where you received treatment, click on the link I used.

SSandra, Oct, 2019

Hi. My name is Sandra Miranda. I've been on FMLA. regarding Emergency health of my mother. Got diagnostic Glioma level IV. Was and ICU 2 days. Back to starting to take care of myself.All of all my bills are behind and I need help paying my rent.