Waivr

Not affiliated with any hospital, insurer or collection agency.

Waivr is free to use. A tip is just a thank-you for building it.

Hospital bills, checked against the fine print.

See if you qualify for free or reduced care.

Nonprofit hospitals must offer financial help, and some for-profit hospitals do too. We read their policies so you don't have to.

  • Numbers from each hospital's own policy
  • Free to use, no sign-up

Find my hospital

Quick check

Your insurance

Some hospitals’ free care is only for the uninsured.

Including Medicaid or Medicare. We’ll check what you owe after insurance pays.

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hospitals on Medicare's list: — nonprofit, — for-profit
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policy documents read line by line
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hospitals with numbers checked against the official policy PDF
0
sign-ups

Hospitals linked to a policy: — nonprofit, — for-profit, — government. With checked figures: — nonprofit, — for-profit, — government.

Policies checked —. If we could not confirm a number, we leave it blank and say "check policy."

Hospital finder

Find your hospital

Nonprofit, for-profit and public hospitals on Medicare's list: — (— nonprofit, — for-profit). We have checked policy numbers for —. The finder shows only those for now, and we add more as we check them. Tap "What to do next" on any hospital for its contacts, forms and what to say.

    The hospital finder lists nonprofit, for-profit and public (county, city, district and state) hospitals from Medicare's hospital list whose policy we've checked. Federal hospitals are not included. Every nonprofit hospital must have a financial assistance policy under IRS rule 501(r). For-profit hospitals don't fall under that rule; some offer a policy anyway, and some states require one. Can't find yours? Search the web for its name plus "financial assistance policy". Every nonprofit hospital must post one online.

    Our method

    How it works

    If you already have a bill

    Already got a bill? You can still apply.

    1. Call the number on your bill. Say: "I'd like to apply for financial assistance."
    2. Ask them to pause collections while they review your application.
    3. Send proof of income, like a tax return or recent pay stubs.
    4. Federal rules give you at least 240 days from your first bill to apply at a nonprofit hospital. Some hospitals take applications any time.
    5. Already paid? If you qualify later, you may get money back.

    About

    Free to use, and not tied to any hospital or insurer.

    Built by Yaniv Sadka. Every number comes from the hospital's own policy PDF, with the page noted. If we could not confirm a number, we leave it blank and say "check policy."

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