Guides · Last reviewed October 20, 2026
Providence financial assistance (charity care) in 2026
Providence offers free care to patients with household income at or below 300% of the federal poverty level in several states (about $99,000 for a family of four in 2026), and discounts up to 400% — and you can qualify even if you have insurance. Applications are free, and Providence usually decides within about 30 days.
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Who qualifies
- Free care: in several states, household income at or below 300% of the federal poverty level — roughly $99,000 for a family of four in 2026.
- Discounted care: income up to 400% of the poverty level may qualify for a discount.
- Both uninsured and insured patients can qualify, based on family size and income.
Exact thresholds vary by state, so check the policy for your specific Providence facility.
Your protections under federal law
Providence hospitals are nonprofit, so federal 501(r) rules apply:
- You get at least 240 days from your first bill after discharge to apply.
- The hospital must wait at least 120 days after the first bill before taking extraordinary collection actions.
- If you qualify, you can't be charged more than the amount generally billed to insured patients.
How to apply
- Request a free Financial Assistance Application from Providence's billing-support page or your hospital.
- Gather proof of income for everyone in the household: recent pay stubs, last year's tax return, or a benefits letter.
- Submit the application. Providence usually sends a decision within about 30 days.
Questions? Providence Business Office Customer Service: 844-888-3593. For the general steps at any nonprofit hospital, see our hospital financial assistance guide.
Common questions
Can I get Providence financial assistance if I have insurance?
Yes. Providence's policy covers both uninsured and insured patients who meet the income requirements, based on family size and income.
How long does Providence take to decide?
Providence generally notifies you of a decision within about 30 days of receiving your completed application and documents.
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Sources
- Providence: Help paying your bill (financial assistance)
- IRS: Billing and collections — Section 501(r)(6)
Billmira is a self-help information tool, not a law firm, and this isn't legal or medical advice. Billmira is not affiliated with or endorsed by Providence. Policies vary by facility and change over time; check the official policy for your hospital.