FINANCIAL RESOURCES & ASSISTANCE

UTMC provides help for both uninsured and underinsured patients. This help is only for needed health care services. The discounts and program are based on income, family size, and insurance. Patients must use all other sources of payment first. This includes other insurance. Patients may not decline other insurance as a source of payment.

Below are some helpful terms.

• Family Income: The sum of a family’s yearly earnings and cash from all sources before taxes. This does not include payment for child support.
• Family Size: The number of exemptions allowed under tax law. It is on the most recent filed federal income tax return. The patient or guarantor is one of the persons an exemption is allowed.
• Medically Needed Services: Any inpatient or outpatient service. This includes medicines or supplies the hospital provides that are also covered for patients who have Medicare. There must be the same medical need as the patient seeking financial help.
• Uninsured Patient: A patient who is not covered under a health insurance policy. This also includes a patient who is covered under a private health insurance plan, health benefit or other health program, accident liability insurance or other third-party liability insurance.
• Underinsured Patient: A patient who is covered under a health insurance policy or is covered under a private health insurance plan, health benefit or other health program, accident liability insurance or other third-party liability insurance. Despite being covered, there are still out-of-pocket costs that are higher than what the patient can pay. UTMC will decide this.

Discount Programs and Requirements

The below discounts do not need a Financial Assistance Application.

• A. Uninsured Discount
• This is applied based on the Amounts Generally Billed to Uninsured Patients. This is for most hospital services.

• B. Presumptive Eligibility
• UTMC will offer help without further review to uninsured patients. This includes patients who:
• Are homeless,
• Have mental incapacitation with no one to act on their behalf,
• Are able to receive Medicaid but did not have it on the date of service,
• Had a service that was not covered by Medicaid,
• Are in jail with no income, or
• Are deceased with no estate.

• C. See the Patient Billing and Collections for more options.

Financial Assistance Program: What You Need to Know

These programs must have a finished Financial Assistance Application. All patients have 240 days from the date of the first post discharge billing statement to apply.

• A. Program Information
• This program is based on Family Size and Income. This is in line with the Federal Poverty Income Guidelines (FPIG). See the chart below.
• For a 100% discount, a patient’s Family Size must be between the FPIG range shown on the chart. This range means that your Family Income per your Family Size is not higher than 200% of the FPIG. This discount covers Hospital Gross Charges for all emergency care or other needed services only.
• An 80% discount is for patients whose Family Size and Income is higher than 200%, but lower than 300%. This is based on the FPIG. The income ranges for each Family Size are on the chart below. This discount covers Hospital Gross Charges for all emergency care or other needed services only.

• Online at www.utmedicalcenter.org
• At any UTMC service desk. This includes Admission and Patient Registration.
• By calling a Patient Accounts Representative at 865-251-4400
• Through a written request. Please mail to:
        o UT Medical Center Financial Assistance Program PO Box 32749 Knoxville, TN 37930

• Mail: UT Medical Center Financial Assistance Program PO Box 32749 Knoxville, TN 37930
• Email: BOCustomerService@utmck.edu
• Fax: Attn: UT Medical Center Financial Assistance Program 865-251-4413
• English Online Application: https://utmck.digitaltec.net/Client/SelfService/IqSIKNMS
• Spanish Online Application: https://utmck.digitaltec.net/Client/SelfService/K987438E