Fighting Medical Bills in Arizona

Arizona's largest nonprofit hospital system, Banner Health, operates 30 hospitals across the state and provides free care for patients at or below 200% FPL. Patients between 200% and 350% FPL may qualify for partial discounts. All uninsured Banner patients receive an automatic self-pay discount.

Arizona expanded Medicaid under the ACA, providing coverage to adults earning up to 138% of the Federal Poverty Level. If you are uninsured, check your Medicaid eligibility through the Arizona Health Care Cost Containment System (AHCCCS) before negotiating your medical bills. Retroactive coverage may apply.

Arizona's desert climate attracts many retirees and seasonal residents who may receive emergency care while visiting. If you received care in Arizona while traveling, you still have the right to negotiate and apply for financial assistance at the treating hospital. Geographic distance is not a barrier to disputing charges.

BillDelete generates negotiation letters and financial assistance applications customized for Arizona hospitals, including Banner Health facilities. Our documents reference Medicare rates for the Phoenix and Tucson geographic payment areas and cite applicable federal protections.