Benefits · Healthcare
How to apply for AdventHealth Financial Assistance Policy (Osceola — Kissimmee + Celebration hospitals)
AdventHealth — Adventist Health System; multiple hospital campuses serving Osceola County (AdventHealth Kissimmee, AdventHealth Celebration)
Who it's for
AdventHealth is the dominant private nonprofit hospital system in Central Florida, with AdventHealth Kissimmee and AdventHealth Celebration directly serving Osceola County, plus AdventHealth Orlando just to the north. Osceola also has Osceola Regional Medical Center (HCA Healthcare, private for-profit) in downtown Kissimmee — but AdventHealth's system-wide §501(r) Financial Assistance Policy is the more generous safety-net option. Under the AdventHealth 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 the average of accounts paid in full over the past 12 months for Medicare, Medicare Advantage, and contracted commercial insurance. Uninsured AdventHealth patients are never billed more than this amount, regardless of charity-care application. Call 800-462-0490 for assistance; mail completed forms to AdventHealth, PO Box 935979, Atlanta, GA 31193-5979.
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 $39,900 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 — uninsured bills are capped at insurance-equivalent rates, typically a 60-80% reduction from list charges. AdventHealth Kissimmee is the primary Osceola hospital; AdventHealth Celebration also serves Osceola (near Disney) and AdventHealth Orlando is the regional referral center just to the north. If you receive care at Osceola Regional Medical Center (HCA) instead, you'll need to ask about HCA's separate financial assistance policy — HCA's terms are typically less generous than AdventHealth's.
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)
- Mail to: AdventHealth, PO Box 935979, Atlanta, GA 31193-5979
Where to apply
Apply online: official application
By phone: 800-462-0490
What to say when you call
"Hello, I'm calling to ask about AdventHealth Financial Assistance Policy (Osceola — Kissimmee + Celebration hospitals). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may 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 — is anything else required? What is the best next step?"
Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.
Renewals
per encounter; annual recertification for ongoing patients
Not sure if you qualify? Run a free check first.
Find my benefitsNot legal or financial advice. The agency makes the final eligibility decision.