OSF St. Francis Hospital and Medical Group

Nonprofit critical access hospital in Escanaba, MI.

Verified from the hospital's own policy

OSF St. Francis Hospital and Medical Group likely gives free care to households with a yearly income up to $39,900 for 1 person, $54,100 for 2, $68,300 for 3, $82,500 for 4, $96,700 for 5 or $110,900 for 6. It likely gives a discount to households with a yearly income up to $63,840 for 1 person, $86,560 for 2, $109,280 for 3, $132,000 for 4, $154,720 for 5 or $177,440 for 6.

The hospital makes the final decision.

Discount steps

• 0% to 250% of poverty level, you pay nothing (100% discount on the patient balance)
• 250.1% to 300% of poverty level, you pay 25% of the patient balance (75% discount)
• 300.1% to 350% of poverty level, you pay 50% of the patient balance (50% discount)
• 350.1% to 400% of poverty level, you pay 75% of the patient balance (25% discount)
• 400.1% to 600% of poverty level, you pay uninsured patients only: the more generous of the uninsured discount or a cost-based price (135% of cost-to-charge ratio)

How to apply

1. Call (800) 421-5700 and ask for financial assistance.
2. Application form
3. Financial Assistance (AC-29), effective 7/27/2026
4. Plain language summary
5. Bring one proof of income (recent federal tax return, W-2 or 1099, two recent pay stubs, proof of other income, or bank statements), asset and expense information (collected under Illinois law), Medicaid application or a Medicaid denial from the last 6 months, if likely eligible for Medicaid.
6. The policy gives 240 days to apply. Ask the billing office which date the count starts from.

Residency

None. Open to patients regardless of where they live or immigration status

Very large bills

OSF charges capped at 25% of family income for patients with high medical cost obligations

Languages

English, Spanish, French, Polish

If you have insurance

Insured patients can also apply for help with deductibles and copays. Keep your insurance. Financial assistance covers bills from this one place only.

What is covered

Covered

Emergency care, care for life-threatening conditions, and other medically necessary care billed by OSF.

Not covered

Elective care that is not medically necessary, such as cosmetic surgery, Lasik, fertility, dental, glasses and hearing aids. Care billed by non-OSF doctors or ambulance services. Out-of-network care for insured patients is reviewed case by case.

Notes

OSF uses one financial assistance policy for its hospitals in Illinois and Michigan. Patients without insurance also get an automatic uninsured discount off full charges, whatever their income. Patients with insurance can apply for help with what they still owe. People with an HSA or FSA are expected to use it first. People likely to qualify for Medicaid may be asked to apply for Medicaid first. Approval lasts 12 months and also covers unpaid bills from the application period. OSF decides within 30 days of a complete application, and a denial can be appealed in writing within 30 days. Interest-free payment plans are available. Uninsured patients can also get free help from Elevate PFS at (866) 402-3630. The policy says asset and expense information is collected, but it does not say assets can cause a denial, so asset_test is left unknown.

Sources

• Free care level

  Family Income up to 250% FPL are eligible to receive a 100% discount on the Patient Balance Due

• Discount level

  Family Income of above 350% FPL but equal to or less than 400% FPL are eligible to receive a 25% discount

• Discount steps

  For Uninsured Patients with Family Income equal to or less than 600% of the Federal Poverty Level, OSF has compared the discounts scheduled above

• Insured patients

  Financial Assistance will be extended to Uninsured and Underinsured Patients, or such Patient's Guarantor, who receive Eligible Services

• Residency

  available to all Patients meeting the requirements set forth in this policy, regardless of geographic location or immigration status.

• Very large bills

  will have their OSF charges discounted to an amount not to exceed 25% of Family Income.

• Deadline

  Applications for Financial Assistance may be submitted up to 240 days after the date of the first post discharge statement.

• Documents

  Per the IL Fair Patient Billing Act, 77 I.A.C. 4500.30, OSF is required to collect asset and expense information

• Financial counseling phone

  If you need help in completing the Financial Assistance application, you may call (800) 421-5700 to speak with a financial navigator.

• Languages

  Translation of these documents can be found on the website or upon request.

• Covered facility

  OSF Saint Francis Hospital | ST FRANCIS HOSPITAL

Last checked. 2026-11-11