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All4integrity

All4Integrity U.S.

Both Democrats and Republicans agree that the U.S. healthcare system lacks simplicity and transparency.

All4Integrity U.S. is an effort to bridge this critical information asymmetry while empowering patients and their families to better protect their rights and healthcare bills. To promote a culture of transparency, All4Integrity U.S. brings together, in one place, the contacts, guides, and rights all users of the healthcare system can use to deal with hospital bills, insurance, and healthcare paperwork — organized state by state, and growing every month.

Find your state

Every state has its own charity care rules, hotlines, and legal protections. Start with yours.

California

Florida

Massachusetts

New Jersey

Rhode Island

FAQs

Quick answers to the questions that come up again and again, before you dive into contacts or a specific case.

Request an itemized bill with CPT codes and compare it to your insurer’s Explanation of Benefits (EOB) — this is the fastest way to catch errors before disputing or paying anything.
Yes. California has strong No Surprises Act protections covering emergency care and many out-of-network situations at in-network facilities. If you receive an unexpected bill, contact the California Department of Insurance or the DMHC Help Center.
Either. Most California hospitals accept Charity Care applications before or after you receive a bill, and there’s usually no strict deadline. Applying earlier can help you avoid the bill altogether.
Yes. Dial 211, or text your ZIP code to 898-211, for free referrals to local financial counselors, patient advocates, and bill-help resources anywhere in New Jersey.

More FAQs in each state’s page.

Glossary

U.S. healthcare terms explained.

A hospital’s financial assistance program, required by law in most U.S. states, that reduces or eliminates a patient’s bill based on income — often up to 300-400% of the federal poverty level.
A statement from your health insurer showing what was billed, what insurance covered, and what you may still owe. It is not a bill — compare it against the hospital’s itemized bill to catch mismatches or errors.
An income threshold set annually by the U.S. government, used to determine eligibility for many assistance programs, including hospital Charity Care. Eligibility is often expressed as a percentage of FPL (e.g. “up to 400% of FPL”).
A detailed, line-by-line breakdown of every charge on a hospital bill (procedure codes, medication charges, room fees, etc.), instead of a single lump-sum total. U.S. hospitals must provide one on request.
A type of health insurance (HMO, PPO, etc.) that contracts with a specific network of providers and often requires referrals or pre-authorization for certain care.
A federal law protecting patients from unexpected out-of-network bills, especially in emergencies or when an out-of-network provider is involved at an in-network facility without the patient’s knowledge. Some states, including California, add extra protections on top of the federal law.
A reduced rate some hospitals offer to patients who don’t have insurance and pay out of pocket directly — often close to what an insurer would have negotiated.

Reviewed September 2026.
Need more information or found an outdated contact? Let us know

This information is provided as general guidance only and may change without notice. All4Integrity does not guarantee its accuracy or completeness. Always confirm current details directly with the relevant organization before relying on them. This is not legal, financial, or medical advice.