Benefits · Healthcare
How to apply for AdventHealth Waterman Financial Assistance + Community Primary Health Clinic (Tavares)
AdventHealth Waterman — AdventHealth (Adventist Health System); located in Tavares (Lake County); includes the AdventHealth Waterman Community Primary Health Clinic for uninsured North Lake County residents
Who it's for
AdventHealth Waterman is a full-service hospital located in Tavares, Lake County, and is part of the AdventHealth Central Florida Division. As part of the larger AdventHealth Florida system, Waterman applies the system-wide §501(r) Financial Assistance Policy: patients with annual household income at or below 250 percent of the Federal Poverty Guideline receive a 100 percent reduction in financial responsibility for emergent or medically necessary care. Beyond charity care, AdventHealth provides Amounts Generally Billed (AGB) protection for uninsured patients — billing is automatically capped at insurance-equivalent rates regardless of charity-care application. AdventHealth Waterman also operates a distinctive AdventHealth Waterman Community Primary Health Clinic — a FREE clinic providing adult primary care for eligible uninsured residents of North Lake County, offering non-emergent healthcare to address physical, emotional, and spiritual needs. This is a structurally significant safety-net feature that very few peer hospitals offer: a separate free-care clinic operated by the hospital system, not just charity-care billing relief. For financial assistance, call the Patient Financial Services team at 855-241-2455. AdventHealth Waterman's 250% FPL charity threshold is more generous than UF Health Leesburg's 200% FPL — borderline-income Lake County seniors should compare both.
AdventHealth Financial Assistance is per-encounter and applies to emergent or medically necessary care only. Full 100% charity is available for patients at or below 250% of the Federal Poverty Guideline (the modeled $39,000 figure is 250% FPL for a single-person household 2026; scaled up by household size). Uninsured patients automatically receive Amounts Generally Billed (AGB) protection regardless of income. The AdventHealth Waterman Community Primary Health Clinic is a SEPARATE free-care service for adult uninsured North Lake County residents — non-emergent primary care only, not a substitute for inpatient or specialty care. AdventHealth Waterman's 250% FPL threshold is more generous than UF Health Leesburg's 200% FPL — borderline-income patients may prefer AdventHealth. For specialty/tertiary care, Lake County AdventHealth patients are typically referred to AdventHealth Orlando under the same financial assistance policy.
What you'll need
- Completed AdventHealth Financial Assistance Application
- Proof of household income (pay stubs, Social Security award letter, tax return, SSA-1099)
- Proof of family/household size
- Photo identification
- Documentation of insurance status (or proof of uninsured status for AGB protection)
- For Community Primary Health Clinic: proof of North Lake County residency and uninsured status
- Mail financial assistance application to: AdventHealth, PO Box 935979, Atlanta, GA 31193-5979
Where to apply
Apply online: official application
By phone: 855-241-2455
Renewals
per encounter; annual recertification for ongoing patients; Community Primary Health Clinic per-visit eligibility
Not sure if you qualify? Run a free check first.
Find my benefitsNot legal or financial advice. The agency makes the final eligibility decision.