🏥 A medical bill I can't pay
full guide + updatesThe number on that bill is not final. Nonprofit hospitals must have help-with-bills programs ("charity care") by law — most people who qualify never apply.
Do it in this order
1. Don't pay on the spot. 2. Ask for an itemized bill — check for errors. 3. Ask: "What's your self-pay rate?" 4. Ask for the financial assistance application. 5. Only then, a no-interest payment plan. 6. Never put it on a credit card.
Free help applying: Dollar For files charity-care applications for you — dollarfor.org/help
Your hospital's program (call and ask)
University Health 816-404-3000 · Saint Luke's 816-932-5678 · AdventHealth 800-462-0490
North KC Hospital 816-691-1100 · Children's Mercy 816-234-3567 · KU Health 913-588-7850 · HCA Midwest 800-849-0829
Income limits vary (150%–400% of poverty). If you're anywhere close — apply. At most systems you can apply even after collections.
Rights + coverage
Surprise ER bills are illegal. Federal help line: 1-800-985-3059
Missouri expanded Medicaid — adults up to ~$22k/yr qualify: mydss.mo.gov · free navigators 816-263-2803
Kansas: KanCare for kids/pregnant/disabled 1-800-792-4884 · Marketplace help: Cover Kansas 1-866-826-8375
Not sure? Dial 211 or text your ZIP to 898-211