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Financial Assistance and Charity Care Policy
In the spirit of our Catholic Jesuit tradition, Loyola University Health System is committed to providing health-care services to all patients based on medical necessity.
We are committed to:
- Providing access to quality health-care services with compassion, dignity and respect for those we serve, particularly the poor and the underserved in our communities.
- Caring for all person, regardless of their ability to pay for services.
- Assisting patients who cannot pay for part or all of the care they received.
For patients who require financial assistance or who experience temporary financial hardship, LUHS offers several assistance and payment options, including charity and discounted care, short-term and long-term payment plans.
LUHS extends discounts to all uninsured patients who receive medically necessary services. Uninsured discount amounts are based on Federal Poverty Level (FPL) guidelines. All medically necessary services qualify for uninsured discounts. LUHS may qualify patients based on residency requirements.
Services such as cosmetic procedures, hearing aids and eye care that normally are not covered by insurance are priced at packaged rates with no additional discount. All payments are expected at the time of service.
Presumptive Eligibility for Uninsured Patients
Loyola University Health System offers presumptive financial assistances for uninsured patients who demonstrate one or more of the following:
- Deceased with no estate.
- Mental incapacitation with no one to act on patient’s behalf.
- Medicaid eligibility, but not on date of service or for non-covered services.
- Enrollment in the following assistance programs for low-income individuals having eligibility criteria at or below 200 percent of the federal poverty income guidelines:
- Women, Infants and Children Nutritional Program (WIC)
- Supplemental Nutritional Assistance Program (SNAP)
- Illinois Free Lunch and Breakfast Program
- Low-Income Home Energy Assistance Program (LIHEAP)
- Enrollment in an organized community-based program providing access to medical care that assesses and documents limited low-income financial status as a criterion for membership.
- Receipt of grant assistance for medical services.
Short-Term and Long-Term Payment Plans
Patients with financial hardship may be eligible for a short-term installment payment plan.
LUHS accepts installment payments for a period of up to 24 months. The minimum payment is $50 per month. Bank Loan Program is available for payment plans exceeding 24 months. To learn about this program or set up an installment payment plan, contact the Patient Financial Services Department at (800) 424-4840.
Financial Assistance / Charity Care Policy
A 100 percent discount for medically necessary services is available to patients who earn 200 percent or less of the Federal Poverty Level guidelines. Elective services such as cosmetic surgery are not included in our charity program. Individuals who earn between 200 and 400 percent of the Federal Poverty Level guidelines are eligible for a partial discount equal to the Medicare discount rate.
Patient copays and deductibles may be eligible for discounted rates if a patient qualifies for financial assistance and earns less than 200 percent of the Federal Poverty Level Guidelines.
Discounts are also available for those patients who are facing catastrophic costs associated with their medical care. Catastrophic costs occur when a patient’s medical expenses for an episode of care exceed 20 percent of their annual income. In these cases, patient copays and deductibles may also be included in the discount.
Charity care discounts may be denied if patients are eligible for other funding sources, such as a Health Insurance Exchange plan or Medicaid eligibility, and refuse or are unwilling to apply for these sources.
You may read the full policy here:
To apply for financial assistance, please complete and submit the application found here:
Copies of the application and the complete policy also can be obtained by calling Patient Financial Services at (800) 424-4940 or by sending a request in writing to the Patient Financial Services department. These documents are also available in the language of any population consisting of ten percent or more of the community population the hospital serves.
Patient Financial Services
Financial Counselors are available to work with patients in completing financials assistance applications to determine what assistance is available. This includes assessing eligibility for Medicaid and Health Insurance Exchange plans. Please call (800) 424-6309.
No patient who qualifies for financial assistance will be charged more than the amounts generally billed by the hospital, which are Medicare rates.
The Health Insurance Marketplace
The Affordable Care Act (ACA) requires everyone legally living in the United States to have health insurance beginning Jan. 1, 2014. It also gives millions of individuals with too little or no insurance, access to health plans at different cost levels. The law also provides financial assistance to those who qualify based on family size and income. Please contact our Financial Counselor at (800) 424-6309 for more information.