Kettering Health Network (ketteringhealth.org)
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K For Life Phone Number
Kettering Health Network Logo
K For Life Phone Number
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K For Life Phone Number
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KHN Customer Service
Mon-Fri, 8am-4:30pm
(937) 384-8788
1-866-319-2981

Financial Assistance




It is our goal to resolve and remove the financial worries from your experience.

Kettering Health Network's patient billing and financial aid programs ensure that all patients receive the best medical care available regardless of their financial situation. Kettering Health Network treats all patients equally with respect, care, and compassion.

We will never put financial circumstances ahead of patient care. Our patient registration team will work with you to make paying for your medical care go as smoothly as possible by offering estimates for procedures prior to date of service to identify a financial solution that best fits your budget.


Ohio Department of Job & Family Services Medicaid Programs
Inquire at any Patient Registration location to be directed to a Medicaid Specialist who can assist with the application process. Patients may also choose to complete an application on line at healthcare.gov or call 1-800-318-2596.

Hospital Care Assurance Plan (HCAP)
To qualify for HCAP your family income must be at or below federal poverty level. Physician services are not covered by HCAP. If you qualify for HCAP, you may be a good candidate for Ohio Department of Job & Family Services Medicaid that would pay for physician services, medications, and other services not covered by HCAP.

Kettering for You (K4U) Sliding Scale Program
To qualify for K4U your family income must be less than 300% of the federal poverty guidelines. A member of our registration team will determine if this program is right for you and work out a payment arrangement for any remaining balance due.

Flat-fee Surgeries
Flat fees are available for a variety of services, including cosmetic, GI and outpatient surgeries. Flat fees are limited to outpatient and observation patients. Financial arrangements are to be made in advance of the procedure and you must pay the special flat-fee rate in full prior to the procedure. The flat-fee rate is calculated on an individual basis based on type of service performed, finances, and insurance.

Kettering Health Network Stork Club
This flat-fee, self-pay maternity program allows you to make payments for hospital maternity services in advance of delivery. For an application and additional information, inquire at the hospital's main registration.

We work with you to ensure fair and precise payment options.
If you are under-insured or uninsured and do not qualify for any of the above mentioned payment programs, or if you are having a service performed that is not covered by one of the programs, please contact a Kettering Health Network registration team to make payment arrangements. For outpatient services, you must make payment arrangements prior to the procedure in order to obtain any special outpatient service discounts. For inpatient services, you must make payment arrangements within 10 days of discharge from the hospital in order to obtain special inpatient service discounts.

Special Appeals Committee
If you inform us that you cannot pay the balance or request additional discounts, you will need to complete a Financial Assessment form and provide a letter as to the reason(s) for this request. Kettering Health Network's Appeals Committee will carefully review the correspondence and notify you of a decision by letter. We will document the outcome and apply any applicable charity discount. The documentation copies are stored and maintained in your file.


Financial Aid Programs at Kettering Health Network

Kettering Health Network's financial aid programs ensure that all patients receive the best quality medical care available, regardless of their financial situation.

Uninsured patients will never be charged more than someone with medical coverage, and no one will ever be turned away for medically necessary services, regardless of their ability to pay. It is our goal to resolve and remove the financial worries from your experience.