Cost is a treatment barrier, and it is worth raising early rather than after the first bill. Every hospital has people whose job is this.
Start with the financial navigator
Cancer centers employ financial navigators, sometimes called financial counselors or patient advocates. Ask for one by name when you book. They can tell you what your plan covers, what the hospital will bill, what charity care you might qualify for, and which assistance forms to file, which is work you would otherwise do yourself across several phone calls.
Centers for Medicare & Medicaid Services · checked 2026-11-09. Programs change their funding and criteria, so confirm with them directly.
Financial assistance directory
22 of 22 programs match your filters. Programs that do not match are listed below them, never hidden. Income and household size are used only in this browser and are not saved.
Government programVaries by state
Medicaid
Your state, via HealthCare.gov
In states that expanded Medicaid, adults under 65 can qualify on income alone up to 138% of the poverty guideline. Not every state expanded, and each sets its own rules. You can apply any time of year.
Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.
Government programNational
Marketplace plan with a premium tax credit
HealthCare.gov
For 2027 coverage, federal premium tax credits are for household incomes from 100% to 400% of the poverty guideline. Open enrollment on HealthCare.gov runs 1 November 2026 to 15 January 2027; state-run marketplaces may differ.
Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.
Government programNational
Medicare Extra Help
Medicare.gov
Lowers Part D drug costs. 2026 income limits are $23,940 for one person and $32,460 for a married couple, with resource limits (higher in Alaska and Hawaii).
Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.
Government programNational
Social Security disability: Compassionate Allowances
Social Security Administration
Compassionate Allowances speed up disability decisions for conditions that clearly meet Social Security's standard, including certain cancers. SSA decides which conditions and cases qualify.
Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.
Hospital programNational
Hospital financial assistance (charity care)
Every nonprofit hospital (IRS rule 501(r))
Nonprofit hospitals must publish a written financial assistance policy and must not charge people who qualify more than they generally bill insured patients. Ask the billing office or search the hospital's site for "financial assistance policy".
Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.
NonprofitNational
CancerCare Co-Payment Assistance Foundation
CancerCare
Helps insured patients with incomes up to 500% of the poverty guideline with treatment co-pays; lists a metastatic colorectal cancer fund. Funds open and close as money allows.
Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.
Questions that change the number
Is the hospital in network, and is every doctor who will treat me also in network?
What is in this estimate, and what will arrive as a separate bill?
Does this need prior authorization, and who files it?
What charity care, payment plans, or sliding-scale programs do you have?
If I join a trial, which costs does the study cover and which go to my insurance?
What is my deductible and out-of-pocket maximum, and where am I against them right now?
Published hospital prices are list and negotiated rates, not what you will owe. Only your insurer and the hospital’s billing office can produce a real estimate, and NuDavid does not try to calculate one.