Baptist Memorial Health Care Financial Assistance: Income Limits and How to Apply (2026)

Baptist Memorial Health Care offers 100% free care to patients with household income at or below 200% of the Federal Poverty Level (about $66,000 a year for a family of four) and discounted care up to 400% FPL. Here is who qualifies, what you need, and how to apply.

Updated June 2026

Baptist Memorial Health Care Income Limits for Free Care

Your eligibility is based on household income as a percentage of the Federal Poverty Level. Free care applies at or below 200% FPL; discounted care applies up to 400% FPL.

Household size	Free care if income is at or below (200% FPL)	Discounted care up to (400% FPL)
1 person	$31,920	$63,840
2 people	$43,280	$86,560
3 people	$54,640	$109,280
4 people	$66,000	$132,000
5 people	$77,360	$154,720
6 people	$88,720	$177,440

Income figures use 2026 Federal Poverty Level guidelines and are rounded. Actual eligibility depends on the hospital's review of your application.

What Baptist Memorial Health Care Offers

Free care

100% of the bill at or below 200% FPL. 100% free care below 200% FPL; sliding discounts of 95/90/85/80% across 200-400% FPL.

Discounted care

Up to 400% FPL, as a sliding-scale discount.

Hardship / catastrophic

Medically Underinsured patients receive 25% off insured patient-responsibility balances exceeding $5,000 per encounter (no application required).

How to Apply for Baptist Memorial Health Care Financial Assistance

1
Request an itemized bill
Ask for a fully itemized bill so you can confirm every charge before you apply or pay.
2
Gather your documents
Collect proof of income, proof of household size, government-issued photo id, recent bank statements.
3
Submit the Baptist Memorial Health Care application
Proof of income (3 months of pay stubs, prior-year tax return and W-2, bank statements); Central Business Office 877-348-1281 or FAP@BMHCC.org.
4
Ask for a billing hold
Request a hold on collections activity while your application is reviewed, so the account does not advance.
5
Get the decision in writing
Keep the approval or denial in writing. You generally have about 240 days from your billing date to apply. If you are denied, you can appeal or request an interest-free payment plan.

What you will need

Proof of income (recent pay stubs, tax return, or benefit award letters)
Proof of household size (tax return listing dependents, or similar)
Government-issued photo ID
Recent bank statements

Deadline: about 240 days from billing.

Residency: none stated.

Citizenship: not required.

Before you pay, know this

Applying for financial assistance does not affect your credit.
Many hospitals grant presumptive eligibility if you already receive Medicaid, SNAP, or similar programs, which can speed approval.
You can often apply even after a bill goes to collections, and assistance is frequently applied retroactively. Do not assume it is too late.
If you are denied, you can appeal or ask for an interest-free payment plan.

Not sure you qualify? You may still be able to save.

Charity care is only one way to lower a hospital bill. CareRoute Bill Defense works every angle on your Baptist Memorial Health Care bill: billing errors, insurance underpayments and denied claims, financial assistance, and direct negotiation with the hospital. So even if you do not qualify for free care, there is often money to save. You pay nothing upfront and only a fraction of what we save you (capped at $1,000). If we cannot lower your bill, you owe nothing.

Get help with your bill

Tennessee also has medical-bill protections that may help beyond Baptist Memorial Health Care's own program, such as limits on collections, credit reporting, and wage garnishment.

See all Tennessee medical bill rights

Frequently Asked Questions

Does Baptist Memorial Health Care offer financial assistance or charity care?

Yes. Baptist Memorial Health Care provides 100% free care to patients with household income at or below 200% of the Federal Poverty Level, plus discounted care up to 400% FPL (a sliding-scale discount).

What is the income limit for free care at Baptist Memorial Health Care?

Free care is available at or below 200% FPL. For a family of four in 2026 that is about $66,000 per year. See the income table above for other household sizes. Income above that may still qualify for discounted care up to 400% FPL.

How do I apply for Baptist Memorial Health Care financial assistance?

Request an itemized bill, gather your income documents and a photo ID, then submit the hospital's financial assistance application. Proof of income (3 months of pay stubs, prior-year tax return and W-2, bank statements); Central Business Office 877-348-1281 or FAP@BMHCC.org. You generally have about 240 days from your billing date to apply.

Can insured patients qualify for financial assistance at Baptist Memorial Health Care?

Yes. The balance left after your insurance pays can still qualify for charity care or a discount if you meet the income limits above. Some states and hospitals also ask insured patients to show high out-of-pocket costs, so confirm the exact rule with Baptist Memorial Health Care.

What if my bill is unaffordable even above the income limit?

Baptist Memorial Health Care has a hardship provision. Medically Underinsured patients receive 25% off insured patient-responsibility balances exceeding $5,000 per encounter (no application required). It is worth applying even if your income is above the free-care line.

Can I apply for Baptist Memorial Health Care financial assistance if my bill is already in collections?

You can usually still apply even after a bill goes to collections, and hospitals often apply approved assistance retroactively to recent accounts. Applying can also pause collection activity while the hospital reviews your case, so apply within about 240 days of your billing date.

Will applying for financial assistance affect my credit?

No. Applying for hospital financial assistance is not a credit check and does not affect your credit score. Getting a bill reduced or covered actually helps you avoid the collections and credit damage that come from an unpaid balance.

Does Baptist Memorial Health Care require US citizenship or residency?

No. Baptist Memorial Health Care does not require US citizenship, and immigration status does not bar eligibility.

Can CareRoute help with a Baptist Memorial Health Care bill?

Yes. CareRoute Bill Defense looks at every way to lower your bill, not just charity care: billing errors, insurance underpayments and denied claims, financial assistance, and direct negotiation. You pay nothing upfront and only a fraction of what we save you (capped at $1,000), with no fee at all if we cannot reduce your bill.

Sources and verification. Last verified June 2026, based on Baptist Memorial Health Care's published financial assistance policy (official policy). How we research these guides.

Eligibility details may change. This page is informational and not financial or legal advice. Confirm current terms with Baptist Memorial Health Care's financial assistance office before applying.