Carolinas HealthCare System

Financial Assistance

Patients who wish to discuss options for financial assistance or payment for Carolinas Medical Center, Carolinas Behavioral Health - Charlotte, Carolinas Medical Center-MercyCarolinas HealthCare System Anson, Carolinas HealthCare System Cleveland, Carolinas HealthCare System Kings Mountain, Carolinas HealthCare System Lincoln, Carolinas HealthCare System Pineville, Carolinas HealthCare System University, Carolinas HealthCare System NorthEast, Carolinas HealthCare System Union, Levine Children's Hospital, Jeff Gordon Children's Hospital and Carolinas Rehabilitation may do so by calling our Customer Service Department at 704-512-7000.

Carolinas HealthCare System (CHS) strives to provide financial assistance based on a patient’s ability to pay while modeling at all times the CHS core value of “Caring”. The CHS financial assistance programs are designed to ensure assistance is provided to patients demonstrating a financial need and to ensure CHS complies with any required Federal or State regulations related to financial assistance. Those eligible for financial assistance will never be billed more than the amounts generally billed (AGB) to an insured patient. For more information on the calculation for AGB, contact Patient Customer Service.

There are two financial assistance programs available at CHS:

Coverage Assistance & Financial Assistance (CAFA)

The CAFA program is for North Carolina and South Carolina residents who are uninsured patients and have received hospital inpatient services or observation services. It also includes hospital outpatient services that result in a balance greater than or equal to $10,000. Uninsured patients with these types of services will be reviewed for CAFA by the CHS Financial Counseling Department. A financial counselor will interview the patient and determine if they are eligible for other coverage opportunities. If a patient fully cooperates with this process and no coverage is available, their account will be evaluated for financial assistance based on their income as compared to federal poverty guidelines (FPG). Patients with income less than or equal to 200% of FPG will receive a 100% discount. Patients between 201% and 400% of the FPG will qualify for partial discounts. Interest free payment options are available to assist patients in paying their remaining balance.

Financial Assistance Scoring (FAS)

The Financial Assistance Scoring program is for North Carolina and South Carolina residents who are uninsured patients and have received hospital outpatient services that resulted in a balance less than $10,000. Each account will be automatically reviewed for a financial assistance discount prior to billing. Eligibility is based on a financial assistance score from a third party vendor that indicates the likelihood a patient lives in poverty. Patients with qualifying accounts will be extended a 100% adjustment and will not receive a bill. Patients with a qualifying score are not required to take any action. Patients found ineligible will receive a letter indicating the account was found not eligible. Patients with outpatient services who are not eligible may choose to apply for a full review. Uninsured patient’s receiving Emergency Department services will be responsible for a $75.00 copay.

Patients can apply by downloading an application at the link below and mailing it to the CHS Financial Counseling Department. Contact Patient Customer Service to receive an application by mail or obtain an application in person in the hospital facility’s admitting office.

Applications should be mailed to:

CHS System Business Office
Attention: Financial Counseling Department
PO Box 32861, Charlotte, NC 28232

In addition to the financial assistance programs, two discount programs are available:

Uninsured Discount

Uninsured patients will receive a 50% discount off gross charges on all medically necessary services. This is applied automatically and no action is needed by the patient to receive this discount. This program is available to all uninsured patients.

Hardship Settlement

This program is designed to assist North Carolina and South Carolina residents who have had a catastrophic medical event regardless of their insurance coverage that has resulted in very large hospital bills in comparison to their financial resources. Patients who have incurred a balance after all insurance or third party payments that is greater than 20% of their total household financial resources may be eligible for a Hardship Settlement discount. Patients seeking a hardship settlement should inquire about this program by calling the customer service department after receiving their first statement.

Carolinas HealthCare System provides a variety of payment options, including Online Bill Pay and long-term payment plans.

For System hospitals not listed above, please go to the specific hospital’s website for their financial assistance and discount policies and processes. All hospitals provide automatic discounts to uninsured patients and have financial assistance policies for current medical services based on the Federal Poverty Guidelines. Detailed policies are available upon request.

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