HNS Policy 

Despite financial hardship, network providers may not waive or reduce copayments, co-insurance, or deductibles.


If true financial hardship exists, providers may reduce or waive their charges (but not copays/deductibles) provided financial hardship has been clearly established and supporting documentation is maintained in the health care record. 


If you plan to reduce or waive your charges, you must have policies specifically addressing this included in your practice’s written compliance plan.    


Your written Financial Hardship Policy must include:

  1. Written standards for providing reductions or waivers of your charges that ensure only objective, reasonable criteria are consistently utilized for every patient for whom charges shall be waived or discounted. Further, the standards must clarify the specific criteria your practice utilizes to determine a financial hardship.

  2. Written standards that the practice's financial hardship policies are consistent with community standards, HNS and HNS Payor Policies, the policies of applicable state licensing boards, and all state and federal laws.

  3. A printed financial worksheet that patients must complete to provide the information needed to determine if the patient's financial position meets the criteria in your compliance plan.

  4. A designated person in the practice who is the only person with authority to grant the discount.

  5. The provider should maintain a complete list of all patients who received discounts or waivers of charges.


A sample financial hardship policy is available under HNS Forms, as well as a worksheet for determining financial hardship.