Home › Massachusetts hospitals › Umass Memorial Medical Center/University Campus
Umass Memorial Medical Center/University Campus — Financial Assistance & Charity Care
Worcester, Worcester County, MA
Under Massachusetts law, Umass Memorial Medical Center/University Campus must offer free or discounted care to eligible low-income and uninsured patients. Here's what the law guarantees — and how to apply.
What Massachusetts law guarantees
Under the Massachusetts Health Safety Net (M.G.L. c.118E; 101 CMR 613.00), Umass Memorial Medical Center/University Campus must provide FREE care to uninsured patients at or below 150% of the Federal Poverty Level, and discounted care for patients up to 300%.
This is the legal minimum — Umass Memorial Medical Center/University Campus may offer more generous help. The only way to know is to apply, and applying is always free.
Your immigration status cannot be used to decide if you qualify — Massachusetts law bars hospitals from considering it. Eligibility depends only on your household income.
Massachusetts sets no income limit for its Medical Hardship help: if your allowable medical bills are more than about 10% of your income — a higher share if you earn more — the Health Safety Net can cover the rest. Apply even if your income is above the limits listed here.
Based on the Massachusetts Health Safety Net (M.G.L. c.118E; 101 CMR 613.00), checked against the official source on 2026-08-22 — an automatic check, not a review by a person. See the official source ↗
See the exact wording
3. Health Safety Net - Partial. A Low Income Patient eligible for either Health Safety Net - Primary or Health Safety Net - Secondary who documents MassHealth MAGI Household income or Medical Hardship Family Countable Income ... greater than 150% and less than or equal to 300% of the FPL is considered Health Safety Net - Partial and must meet the Health Safety Net - Partial deductible ... For Health Safety Net - Partial Low Income Patients with MassHealth MAGI Household income ... greater than 150% and less than or equal to 300% of the FPL, there is an annual deductible if all members of the PBFG have an FPL above 150%. If any member of the PBFG has an FPL equal to or below 150% there is no deductible for any member of the PBFG. ... (a) General. A Massachusetts Resident at any Countable Income level may qualify for Medical Hardship if allowable medical expenses exceed a certain percentage of his or her Countable Income as specified in 101 CMR 613.05(1)(c). ... (c) Percentage of Countable Income. ... Income Level Percentage of Countable Income 0 - 205% FPL 10% 205.1 - 305% FPL 15% 305.1 - 405% 20% 405.1 - 605% FPL 30% >605.1% FPL 40%
How to apply
📞 (508) 334-1000When you call, say: “I'd like to apply for financial assistance (charity care) for a hospital bill. Can you send me the application and tell me which documents I need?”
Not sure if you qualify?
Answer 3 quick questions and get a personalized plan plus a ready-to-send request letter — free, in your language.
Check my bill for Umass Memorial Medical Center/University Campus →Share or print this page
cobijohealth.org
Other hospitals in Worcester County
Adcare Hospital Of Worcester IncAthol Memorial HospitalHeywood Hospital -Hospital For Behavioral MedicineMilford Regional Medical CenterSt Vincent HospitalTaravista Behavioral Health CenterUmass Memorial Health - Harrington HospitalUmass Memorial Healthalliance HospitalsWestborough Behavioral Healthcare Hospital Llc