Medical Bill Help in Illinois
Learn your rights, check charity care eligibility, and generate free dispute letters for medical bills in Illinois.
Illinois extends charity care discounts up to 600% FPL
Uninsured patients cannot be charged more than insured patients pay
Medical debt interest rates are capped at 9%
Charity Care in Illinois
Financial assistance requirements for Illinois hospitals
Governing Law
Hospital Uninsured Patient Discount Act (210 ILCS 89)
Income Eligibility
Up to 600% FPL for some discounts of the Federal Poverty Level
Requirements
Illinois hospitals must provide discounts to uninsured patients based on income. Patients at or below 200% FPL qualify for free care. Sliding scale discounts extend to 600% FPL. Hospitals cannot charge uninsured patients more than insured patients.
Application Deadline
60 days after determination of responsibility for payment
Typical Discount Tiers
| Income Level | Discount | Description |
|---|---|---|
| 200% FPL | 100% | Free care |
| 300% FPL | 75% | 75% discount |
| 400% FPL | 50% | 50% discount |
| 600% FPL | 25% | 25% discount |
Consumer Protections in Illinois
Your rights when dealing with medical bills
- Uninsured patients cannot be charged more than insured patients
- Hospitals must screen all uninsured patients for financial assistance
- Interest rates on medical debt capped at 9%
- Patients can request itemized bills and payment plans
No Surprises Act in Illinois
Federal and state surprise billing protections
Illinois has additional protections beyond the federal No Surprises Act through the Insurance Code. The state prohibits surprise billing for emergency services and certain out-of-network services at in-network facilities.
Filing Deadlines
Dispute Deadline: 180 days from date of service
Act quickly to preserve your rights. Generate a dispute letter today.
IL Attorney General
IL Insurance Commissioner
IL Health Department
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