Paying for treatment

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.

Draft a message to billing

CancerCare: A Helping Hand

A searchable database of assistance programs by diagnosis, state, and type of need.

CancerCare: A Helping Hand

CancerCare · checked 2026-11-09. Programs change their funding and criteria, so confirm with them directly.

Managing Cancer Care Costs

What cancer care tends to cost, which bills to expect, and who to ask for help.

Managing Cancer Care Costs

National Cancer Institute · checked 2026-11-09. Programs change their funding and criteria, so confirm with them directly.

HealthCare.gov

Coverage options and the qualifying events that let you change plans outside open enrollment.

HealthCare.gov

Centers for Medicare & Medicaid Services · checked 2026-11-09. Programs change their funding and criteria, so confirm with them directly.

Hospital Price Transparency

Hospitals must publish their prices. These are list and negotiated rates, not your final bill.

Hospital Price Transparency

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 program Varies 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 program National

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 program National

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 program Varies by state

State Health Insurance Assistance Program (SHIP)

SHIP Technical Assistance Center

Free, one-on-one Medicare counseling from your state's SHIP, including plan choices and Medicare Savings Programs.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Government program National

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 program National

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.

Nonprofit National

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.

Nonprofit National

HealthWell Foundation disease funds

HealthWell Foundation

Requires insurance; income generally within 500% of the poverty guideline. Funds open and close.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit National

TotalAssist colorectal cancer funds

Patient Advocate Foundation (merged with PAN Foundation in 2026)

Financial aid funds for colorectal cancer. Check which fund is open and its income and insurance criteria.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit National

Patient Advocate Foundation case management

Patient Advocate Foundation

Free case managers who help with insurance problems, denials, and finding financial aid, for people with chronic and life-threatening illnesses.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit National

Colorectal Cancer Alliance Helpline

Colorectal Cancer Alliance

Helps people find national and local financial assistance. (The Alliance's own Blue Hope award ended on 23 February 2026.)

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit National

CancerCare A Helping Hand directory

CancerCare

A searchable directory of financial and practical help by diagnosis and need.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit National

Family Reach

Family Reach

Helps people in cancer treatment with essential bills like rent, groceries, transportation and utilities.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit Varies by area

Road To Recovery

American Cancer Society

Free rides to cancer-related medical appointments from trained volunteer drivers, where drivers are available.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit Varies by area

Hope Lodge

American Cancer Society

A free place to stay for people facing cancer and their caregivers when treatment is far from home, in cities with a Hope Lodge.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit Varies by area

Air Charity Network

Air Charity Network

Volunteer pilots flying free trips for people in need traveling for medical care. Requests go through the member organization for your area.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit National

Joe's House

Joe's House

A searchable list of lodging near treatment centers for cancer patients and families.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit Varies by area

Healthcare Hospitality Network

Healthcare Hospitality Network

The national association of hospitality houses, with a directory to locate a house near a hospital.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit National

NeedyMeds

NeedyMeds

Information on drug-maker patient assistance programs and other medication cost help.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Government program National

Who pays for clinical trials?

National Cancer Institute

Which costs a trial sponsor usually pays versus insurance, and how to ask a study team about help with travel and lodging.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Government program National

Medicare coverage of clinical research studies

Medicare.gov

Medicare Part A and Part B cover some costs, like office visits and tests, in qualifying studies; after the Part B deductible you may pay 20%.

Worth checking, not a decision: the program decides who qualifies. Checked 2026-11-09.

Nonprofit National

Triage Cancer

Triage Cancer

Free education on insurance, appeals, employment and finances after a cancer diagnosis.

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.