Can a hospital deny financial assistance due to no bank account?

Question

I've been receiving financial assistance from a hospital for many years due to my low-income status, primarily from Social Security. Recently, they denied me this assistance because I no longer have a bank account. Despite discussing the matter extensively with them and confirming there have been no changes in my financial situation, they continue to deny assistance based on the bank account issue. What options do I have to appeal or address this situation?

James L. Arrasmith · Answer

You have the right to ask for a written copy of the hospital’s financial assistance policy and an explanation of why lack of a bank account disqualifies you. Many assistance programs are designed to support low-income patients regardless of their banking situation. 
 
You can file an internal appeal by submitting a formal grievance to the patient financial services office or patient advocate, using any standard form the hospital provides. You may also request a meeting to explore alternative arrangements, such as mailed paper checks or pre-paid cards. 
 
If the hospital’s internal appeal doesn’t succeed, you can contact your state health department or ombudsman office to report a potential violation of charity care rules. You might also seek help from a legal aid clinic or community advocacy group to guide you through next steps and to pressure the hospital to honor its own policy. 
 
If opening a no-fee account is an option, some credit unions offer accounts with no minimum balance that might satisfy their requirement. Throughout this process, keep detailed records of every conversation and document you submit.

Q: Can a hospital deny financial assistance due to no bank account?