AdventHealth Financial Assistance: Free Care to 250% FPL + Discounts to 400% FPL (2026 Guide)
AdventHealth, a nonprofit Seventh-day Adventist health system headquartered in Altamonte Springs, Florida, offers 100% free care for patients with household income at or below 250% of the Federal Poverty Level (FPL). Patients earning between 251-400% FPL may qualify for partial sliding-scale discounts. The policy applies across all 50+ hospitals in 9 states, including Florida, Colorado, Texas, North Carolina, Georgia, Illinois, Kansas, Kentucky, and Wisconsin.
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Quick Facts
100% Free Care (0-250% FPL)
Patients with household income at or below 250% FPL (~$39,900/yr single) receive full charity care for emergency and medically necessary services
Partial Discounts (251-400% FPL)
Sliding-scale discounts for patients with income between 251-400% FPL (~$39,901-$63,840/yr single)
50+ Hospitals in 9 States
Covers all AdventHealth facilities across FL, CO, TX, NC, GA, IL, KS, KY, and WI
240-Day Application Window
From your first billing statement. 120-day moratorium on extraordinary collection actions.
Covers Insured Patients Too
Both insured and uninsured patients are eligible. Insured patients can get help with deductibles, copays, and coinsurance. You may also qualify based on essential living expenses exceeding 50% of household income.
Eligibility & Income Limits (2026 Federal Poverty Guidelines)
| Income Level (% FPL) | Approximate Income (Single) | Discount Level |
|---|---|---|
| 0-250% FPL | Up to ~$39,900/yr | 100% Free Care (Full Charity) |
| 251-300% FPL | ~$39,901 - ~$47,880/yr | Partial discount (sliding scale) |
| 301-400% FPL | ~$47,881 - ~$63,840/yr | Partial discount (sliding scale) |
| Above 400% FPL | Above ~$63,840/yr | Not eligible (payment plans available) |
Important Notes
- Both insured and uninsured patients with income 0-400% FPL are eligible.
- Covers emergency and medically necessary hospital services.
- You may also qualify if essential living expenses exceed 50% of your household income, even if income is above 400% FPL.
- Uninsured patients must cooperate with Medicaid and government assistance screening before FA eligibility is determined.
- Apply within 240 days of your first billing statement.
- As a 501(r) nonprofit system, AdventHealth will never charge FA-eligible patients more than Amounts Generally Billed (AGB) to insured patients.
- The policy applies to all AdventHealth entities across all 9 states.
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Get Help with Your Bill50+ Hospitals Across 9 States
Florida (30+ Hospitals, Largest Presence)
Central Florida Division, West Florida Division, and East Florida Division
Plus additional freestanding emergency departments and outpatient facilities throughout Florida.
Colorado (5 Hospitals)
Illinois (4 Hospitals)
Kansas (4 Hospitals)
Georgia, Kentucky, North Carolina, Texas & Wisconsin
The financial assistance policy applies to all AdventHealth entities. Some facilities may have state-specific variations. Contact your local AdventHealth hospital for details.
Documents You Will Need
Income Verification
- Recent pay stubs (most recent 30 days)
- Most recent federal tax return
- W-2 forms or 1099 forms
- Benefit letters (Social Security, disability, unemployment, pension)
- Self-employment income documentation
- Income info for all household members
Other Documentation
- Government-issued photo ID
- Proof of residency (utility bill, lease, etc.)
- Insurance information (if applicable)
- Bank statements (if requested)
- Documentation of essential living expenses (if qualifying via the 50% expense threshold)
Important: Incomplete applications will delay processing or result in denial. Make sure every required field is completed and all supporting documentation is included before submitting.
How to Apply (Step by Step)
Check Your Eligibility
100% free care for household income at or below 250% FPL (~$39,900/yr single). Partial discounts for income between 251-400% FPL (~$63,840/yr single). You may also qualify based on essential living expenses exceeding 50% of household income.
Contact Financial Counseling
Call 855-241-2455 or visit the billing and financial services department at your local AdventHealth hospital. A financial counselor can help determine which assistance programs fit your situation.
Complete the Application
Download the Financial Assistance Application from adventhealth.com/legal/financial-assistance, request one by phone, or pick one up at any AdventHealth hospital. Fill out completely with household income and family size details.
Submit Your Application
You can submit by:
- In person: Billing and Financial Services at any AdventHealth hospital
- Mail: AdventHealth, PO Box 935979, Atlanta, GA 31193-5979
- Phone: 855-241-2455
- Online: Through the AdventHealth app
- Fax or email: Contact your local facility for fax/email details
Follow Up
Call 855-241-2455 to confirm receipt and check your application status. Keep copies of everything you submit.
Common Pitfalls to Avoid
- Missing the deadline: Apply within 240 days of your first billing statement.
- Incomplete application: Missing documentation or unsigned forms will delay or prevent approval. Double-check before submitting.
- Skipping Medicaid screening: Uninsured patients must cooperate with Medicaid and government assistance screening before FA eligibility is determined.
- Ignoring bills while waiting: Contact AdventHealth to let them know you are applying for financial assistance so your account is flagged appropriately.
- Not checking state-specific rules: Some states (like Illinois and North Carolina) have additional protections or variations. Ask your local hospital about any state-specific provisions.
Payment Plans & Collection Protections
Interest-Free Payment Plans
AdventHealth offers interest-free payment plans with a secured payment method on file. No interest will accrue on your balance while you are making payments, unless you voluntarily choose a third-party financing option that carries interest. Payment plan terms vary based on the total amount due.
Collection Action Timeline
- 100 days: Unpaid bills may be reported to a collection agency
- 120 days: AdventHealth may initiate extraordinary collection actions (ECAs) if no FA application has been submitted
- ECAs include: Legal or judicial actions, wage garnishment, and adverse credit reporting
- Protection: If you submit a complete FA application within 240 days, collection activity will be paused while your application is reviewed
AGB Billing Protection
As a 501(r) tax-exempt organization, AdventHealth will never charge patients who qualify for financial assistance more than the Amounts Generally Billed (AGB) to individuals who have insurance. This prevents balance billing at inflated chargemaster rates.
What If You Are Denied?
1. Contact Financial Counseling
Call 855-241-2455 to discuss the denial. Common reasons include income above 400% FPL, incomplete documentation, or not completing the Medicaid screening process.
2. Reapply with Additional Documentation
If your situation has changed or you can provide more complete documentation, submit a new application. Consider providing evidence of essential living expenses exceeding 50% of household income as an alternative qualification path.
3. Explore Other Options
- Interest-free payment plan: AdventHealth offers payment plans with no interest
- Request an itemized bill: Review all charges for errors or overcharges
- Medicaid: Check eligibility in your state (covers residents up to 138% FPL in expansion states)
- State programs: Many states where AdventHealth operates have additional charity care protections
- Essential expense threshold: You may qualify even above 400% FPL if living expenses exceed 50% of income
Let CareRoute Bill Defense Help
If your application was denied or you need help negotiating your AdventHealth bill, CareRoute Bill Defense can review your case and negotiate on your behalf at no upfront cost.
Get Help with Your BillContact Information
Financial Assistance Phone
Mail & Online
Frequently Asked Questions
Who qualifies for AdventHealth financial assistance?
Patients with household income at or below 250% FPL (~$39,900/yr single) qualify for 100% free care on emergency and medically necessary services. Patients with income between 251-400% FPL qualify for partial sliding-scale discounts. Both insured and uninsured patients are eligible. You may also qualify if essential living expenses exceed 50% of your household income.
Which states and hospitals are covered?
The financial assistance policy applies to all 50+ AdventHealth hospitals across 9 states: Florida (30+ hospitals), Colorado (5), Georgia (3), Illinois (4), Kansas (4), Kentucky (1), North Carolina (1), Texas (2), and Wisconsin (1). This includes major facilities like AdventHealth Orlando, AdventHealth Tampa, AdventHealth Celebration, and more.
Does AdventHealth help insured patients?
Yes. Both insured and uninsured patients with qualifying household income are eligible. Insured patients can receive help with remaining out-of-pocket costs such as deductibles, copays, and coinsurance after insurance has paid its portion.
Does AdventHealth offer interest-free payment plans?
Yes. AdventHealth offers interest-free payment plans with a secured payment method on file. No interest accrues while you are making payments, unless you voluntarily opt into third-party financing. Payment plan terms vary by total balance.
Can I apply after my bill goes to collections?
You can apply within 240 days of your first billing statement. AdventHealth cannot initiate extraordinary collection actions (ECAs) for at least 120 days from the initial billing date. If you submit a complete FA application within 240 days, collection activity will be paused while your application is reviewed.
What if my income is above 400% FPL but I still cannot afford my bill?
You may still qualify if your essential living expenses exceed 50% of your household income. Additionally, AdventHealth offers interest-free payment plans and you can always request an itemized bill to review charges for errors. Contact a financial counselor at 855-241-2455 to discuss your options.
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Start Your Free Case ReviewThis guide is for informational purposes only and does not constitute legal or financial advice. Information is based on publicly available AdventHealth financial assistance policies as of 2026. Eligibility requirements, income thresholds, and application processes may change. Some state-specific policies (such as Illinois and North Carolina) may have additional provisions. Always verify current requirements directly with AdventHealth at 855-241-2455 or visit adventhealth.com/legal/financial-assistance.