This toolkit gives you step-by-step instructions that real families use to lower their bills.
Take a breath. Many people qualify for help and do not know it. The first step is to find out whether your hospital is a nonprofit and where your income sits on the Federal Poverty Level chart. The next step is to match your bill with your Explanation of Benefits to catch errors. If you still owe money, apply for help or set up a plan that fits your budget.
Key steps to take now:
Check if your hospital is a nonprofit and download its Financial Assistance Policy.
Use my FPL Cheat Sheet to see where your income falls.
Ask for an itemized bill and compare it to your EOB line by line.
When you want the full playbook, this toolkit gives you scripts, worksheets, and step-by-step instructions that real famililes use to lower their bills. It shows you exacty what to say to billing offices, how to fill out assistance forms, and how to avoid collections.
FPL Worksheets for the U.S., Alaska, and Hawaii
Ready-to-use call scripts and checklists
Hospital Bill Survival Guide E-book