University of Chicago Medicine Financial Assistance: Income Limits and How to Apply (2026)

University of Chicago Medicine 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 600% FPL. Here is who qualifies, what you need, and how to apply.

Updated July 2026

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University of Chicago Medicine 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 600% FPL.

Household size	Free care if income is at or below (200% FPL)	Discounted care up to (600% FPL)
1 person	$31,920	$95,760
2 people	$43,280	$129,840
3 people	$54,640	$163,920
4 people	$66,000	$198,000
5 people	$77,360	$232,080
6 people	$88,720	$266,160

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

What University of Chicago Medicine Offers

Free care

100% of the bill at or below 200% FPL. 100% financial assistance at or below 200% FPL; sliding-scale discounts up to 600% FPL.

Discounted care

Up to 600% FPL, as a sliding-scale discount.

Uninsured discount

40%

Hardship / catastrophic

Medical Indigency Discount: a patient is not required to pay more than 20% of Family Income for all UCMC Health Care Services in a 12-month period; the amount above 20% of Family Income is discounted to zero. Patient receives the better of Income-Based or Medical Indigency discount.

Financial assistance policy · Verified July 2026

How to Apply for University of Chicago Medicine 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.
3
Submit the University of Chicago Medicine application
Request the application from University of Chicago Medicine's billing or financial counseling office and submit it with your documents.
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. 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)

Deadline: confirm with the FA office.

Residency: No state/county/service-area residency requirement stated. Policy explicitly excludes international patients (including those via the Center for International Patients), but no geographic residency test applies to eligibility..

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 University of Chicago Medicine 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

Illinois also has medical-bill protections that may help beyond University of Chicago Medicine's own program, such as limits on collections, credit reporting, and wage garnishment.

See all Illinois medical bill rights

Frequently Asked Questions

Does University of Chicago Medicine offer financial assistance or charity care?

Yes. University of Chicago Medicine provides 100% free care to patients with household income at or below 200% of the Federal Poverty Level, plus discounted care up to 600% FPL (a sliding-scale discount). Uninsured patients also receive 40%

What is the income limit for free care at University of Chicago Medicine?

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 600% FPL.

How do I apply for University of Chicago Medicine financial assistance?

Request an itemized bill, gather your income documents and a photo ID, then submit the hospital's financial assistance application. Ask the billing or financial counseling office about the deadline to apply.

Can insured patients qualify for financial assistance at University of Chicago Medicine?

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 University of Chicago Medicine.

Does University of Chicago Medicine help uninsured patients?

Yes. Uninsured patients can apply for charity care, and University of Chicago Medicine also offers 40% Uninsured patients often have the most to gain, since the full charge is on the table.

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

University of Chicago Medicine has a hardship provision. Medical Indigency Discount: a patient is not required to pay more than 20% of Family Income for all UCMC Health Care Services in a 12-month period; the amount above 20% of Family Income is discounted to zero. Patient receives the better of Income-Based or Medical Indigency discount. It is worth applying even if your income is above the free-care line.

Can I apply for University of Chicago Medicine 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.

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 University of Chicago Medicine require US citizenship or residency?

No. University of Chicago Medicine does not require US citizenship, and immigration status does not bar eligibility. Residency note: No state/county/service-area residency requirement stated. Policy explicitly excludes international patients (including those via the Center for International Patients), but no geographic residency test applies to eligibility.

Can CareRoute help with a University of Chicago Medicine 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 July 2026, based on University of Chicago Medicine'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 University of Chicago Medicine's financial assistance office before applying.