Financial Assistance

At OSF HealthCare, we believe all people have a right to receive needed health care.

Our doors are open to persons of every faith and ethnic background, regardless of their ability to pay.

OSF will never charge anyone to submit a financial assistance application.

In addition to our patient service representatives, OSF HealthCare also has financial navigators in many of our facilities.

These financial navigators are specially trained to help you understand all of the options available to you, so you can choose the one that best fits your needs.

Call Center Hours

If you have questions, please call a patient services representative toll-free at (800) 421-5700.

Day(s) Time(s)
Monday - Friday 8 a.m. - 4:30 p.m.

Partnering to Help You

OSF HealthCare partners with Elevate PFS to provide free financial advocacy for patients who do not have medical insurance. Elevate PFS will work with patients to identify what assistance may be available to them for medical bills.

You may have been referred to Elevate PFS if you received care from OSF without insurance or if a financial counselor identified that you might need more insurance coverage.

Contact Elevate PFS:

(866) 402-3630 or

Policies & Resources

Documents Downloads
Financial Assistance Policy English
FA Providers List English
Plain Language Summary English
Self-Pay Billing &
Collection Policy

Uninsured Discount

Some families may qualify for discounted health care through the Illinois Uninsured Discount Act or Healthy Michigan law.

To determine if you qualify, you will be required to provide proof of income, such as a copy of a tax return or pay stubs, as well as proof of state residency, such as a driver’s license, identification card or utility bill.

Your income will then be compared to federal poverty income guidelines to determine what level of discount (up to 100%) you may receive.


Other Financial Assistance

In addition to offering discounts required by law, OSF HealthCare offers financial assistance for medically necessary health care services to those who qualify.

This includes the uninsured, underinsured or those who lack the financial resources to resolve bills for service.

All patients are eligible to apply for this assistance.

You must provide documentation of income and family size to determine the level of financial assistance available.

Applying for Financial Assistance

Applications Downloads
Financial Assistance English


You can save time and be prepared for any future medical procedures by applying for financial assistance pre-approval.

The approval process generally takes less than two weeks and is good for the next 12 months.

You do not need a current appointment for medical treatment, and only necessary medical procedures will qualify.

Pre-approval applications and financial documentation can be submitted in person at your local OSF HealthCare hospital or online.

Submit Financial Assistance Application