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-Mercy, Carolinas Medical Center-Pineville, Carolinas HealthCare System Lincoln, Carolinas Medical Center-University, Carolinas Medical Center-NorthEast, 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. For patients of Carolinas Medical Center-Union and Carolinas HealthCare System Anson, please call 980-993-3290. Cleveland Regional Medical Center and Kings Mountain Hospital patients should call 980-487-7436.

Carolinas HealthCare System strives to provide financial assistance based on a patient’s ability to pay while modeling at all times the System core value of “Caring”.  The programs are designed to ensure assistance is provided to patients demonstrating a financial need and is in compliance with any required Federal or State regulations related to financial assistance.

Carolinas HealthCare System offers four programs:

  1. Automatic Uninsured Discount
  2. Coverage Assistance & Financial Assistance (CAFA)
  3. Financial Assistance Scoring (FAS)
  4. Hardship Settlement

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.

Coverage Assistance and 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 System 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. Patients can contact their assigned financial counselor with questions or download an application.

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 who have received outpatient services but are not eligible for the 100% discount under the FAS program may apply for assistance under the CAFA program by downloading an application and mailing it to the System Business Office (SBO). They may also request an application to be mailed to them by calling the customer service department.  Uninsured patient’s receiving Emergency Department services will be responsible for a minimum $75 copay.

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. Patient balances must be greater than or equal to $5,000 to qualify for a hardship settlement.

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 policy and process. 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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