Osf Saint Luke Medical Center: Financial Assistance & Charity Care
Can't afford a bill from Osf Saint Luke Medical Center? You may not have to pay all of it. Nonprofit hospitals must offer financial assistance — here are this hospital's actual income limits and how to apply, taken from its own published policy.
Quick facts
Free care: Free care (100% off what you owe) if your gross household income is at or below 250% of the federal poverty level.
Discounted care: A sliding-scale discount if your household income is between 251% and 400% of the federal poverty level: 75% off at 251–300%, 50% off at 301–350%, and 25% off at 351–400%. If you have no insurance and earn up to 600% of the federal poverty level, Illinois law also caps what you can be charged.
How to apply: OSF HealthCare: Financial assistance
Phone: 800-421-5700 — Patient services (Mon–Fri, 8:00 am–4:30 pm).
How to apply
- Check the income limits above — you'll need your family size and household income.
- Fill out the financial assistance application online or in person at your OSF hospital. Approval usually takes less than two weeks.
- Attach proof of income (a tax return or pay stubs) and proof of Illinois residency, like a driver's license.
- If approved, your assistance lasts 12 months — you can reapply each year.
Good to know
- You can apply up to 240 days after your first bill — even if the bill already went to collections.
- A new bill means a new application — you can apply more than once. More in our guide You Might Not Have to Pay That Hospital Bill.
- Whatever remains after assistance can still be negotiated: How to Negotiate a Hospital Bill.
- Free help applying: Dollar For walks you through it at no cost.
See what Osf Saint Luke Medical Center charges
Check if you qualify at other hospitals
Sources
- Policy details above come from the hospital's own published materials, linked below. Policies change — if a link breaks or a number looks off, call the hospital and please tell us.
- OSF HealthCare: Financial assistance
- OSF HealthCare: Community Benefit Report FY2023 — Financial Assistance Policy (PDF)