# Mercy Catholic Medical Center- Mercy Fitzgerald

Hospital in Darby, PA. Verified from the hospital's own policy.

Mercy Catholic Medical Center- Mercy Fitzgerald likely gives free care to households with a yearly income up to $31,920 for 1 person, $43,280 for 2, $54,640 for 3, $66,000 for 4, $77,360 for 5 or $88,720 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.

| Household size | Free care if yearly income is up to | Discount if yearly income is up to |
|---|---|---|
| 1 | $31,920 | $63,840 |
| 2 | $43,280 | $86,560 |
| 3 | $54,640 | $109,280 |
| 4 | $66,000 | $132,000 |
| 5 | $77,360 | $154,720 |
| 6 | $88,720 | $177,440 |

Dollar amounts use the 2026 federal poverty guidelines.

## Discount steps

- 201% to 400% of poverty level, patient pays about what Medicare would pay (amounts generally billed)

## How to apply

- Call (800) 494-5797 and ask for financial assistance.
- [Application form](https://www.trinityhealthma.org/sites/default/files/documents/finance/thma-fa-application-english.pdf)
- [Financial Assistance Policy (Trinity Health Finance Policy No. 1, effective February 20, 2024)](https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf)
- [Plain language summary](https://www.trinityhealthma.org/sites/default/files/documents/finance/thma-fap-plain-language-summary-english.pdf)
- The policy gives 240 days to apply. Ask the billing office which date the count starts from.
- Bring proof of gross income for the past month, complete bank statements for the past two months, recent tax return (1040 with Schedule C, E or F) or three months of profit and loss statements, W-2 for seasonal income, unemployment benefit or denial letter, child support or alimony income, letter of financial support if no income.
- Residency. Live in the Trinity Health Mid-Atlantic service area by ZIP code (Bucks, Chester, Delaware, Montgomery, Philadelphia and New Castle counties); emergencies are covered for others
- Savings and property. The policy counts savings or property, not only income.
- Very large bills. Medical bills for one episode of care over 20% of family income
- Languages. English, Spanish, Chinese, French, Italian, Korean, Russian, Vietnamese

## 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. Medically necessary and emergency care billed by the hospital

Not covered. Cosmetic and elective services; services not billed by the hospital, such as independent physicians, ambulance and private duty nursing

## State program in Pennsylvania

### Pennsylvania Medical Assistance (Medicaid)

State health coverage. Adults 19 to 64 qualify with income at or below 133% of the poverty level. Most hospital financial assistance policies in the Philadelphia area require you to apply for Medical Assistance first. This is insurance, not a hospital discount program, so it sets no hospital charity care threshold.

Applies to people, not hospitals.

How to apply. Apply online through COMPASS or at your County Assistance Office. Hospital financial counselors can help you apply.

> Adults ages 19-64 with incomes at or below 133 percent of the Federal Income Poverty Guidelines (FPIG)

Source https://www.pa.gov/agencies/dhs/resources/medicaid/medicaid-general-eligibility, checked 2026-11-10

### Hospital Uncompensated Care Program (Tobacco Settlement Act, Act 77 of 2001, Chapter 11)

A state program that pays eligible hospitals for part of the uncompensated care they give, including charity care. It pays hospitals, not patients. The law defines charity care by each hospital's own charity care policy and sets no patient income limit. Whether the program is still funded today was not checked.

Applies to eligible hospitals (payments to hospitals).

How to apply. Patients do not apply. Apply to the hospital's own financial assistance program.

> provided free or at a reduced rate to patients who cannot afford to pay but who are not eligible for public programs

Source https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=PDF&SessYr=2001&SessInd=0&ActNum=0077., checked 2026-11-10

## Notes

You must check Medicaid eligibility first. Discounts may be denied if you refuse to apply for Marketplace or Medicaid coverage. Approval lasts six months. Service-area ZIP list: https://www.trinityhealthma.org/sites/default/files/documents/finance/thma-fap-service-area-zipcodes.pdf. Assets: financial resources are assessed; no dollar limit is stated.

## Sources

- Free care level https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf
  > Uninsured Patients whose Family Income is at or below 200% of the Federal Poverty Level (FPL) will be eligible for a 100% discount
- Discount level https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf
  > Uninsured Patients whose Family Income is above 200% of the FPL and does not exceed 400% of the FPL
- Discount steps https://www.trinityhealthma.org/patients-visitors/billing-insurance/financial-assistance
  > Individuals who earn between 200% and 400% of the Federal Poverty Income Guidelines are eligible for a partial discount equal to the Medicare discount rate.
- Insured patients https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf
  > Insured Patients whose Family Income is at or below 400% of the FPL will be eligible for Financial Assistance for co-pay, deductible, and co-insurance amounts
- Asset test https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf
  > Eligibility is based on evaluation and assessment of the patient’s and/or family’s health care needs, financial resources and obligations on the date of service.
- Residency https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf
  > Financial Assistance described in this section is provided to patients that reside in the Service Area (as defined in this Policy).
- Very large bills https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf
  > due to catastrophic circumstances medical expenses for an episode of care exceed 20% of Family Income.
- Deadline https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf
  > Application Period begins the day that care is provided and ends the later of 240 days after that
- What is covered https://www.trinityhealthma.org/sites/default/files/documents/finance/mfh-financial-assistance-policy-english.pdf
  > Mercy Fitzgerald Hospital Policy No. 1

Last checked 2026-11-10.

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