Civilian non-beneficiaries (including civilian federal employees) with a household income at or below 600% of the Federal Poverty Guidelines who have an outstanding medical debt from a military hospital or clinic for health care services received on or after June 21, 2023.

For patients with health insurance, the DOW will bill your insurance company first and accept their payment as prescribed by your plan's Explanation of Benefits. You'll only be billed for your remaining responsibility, such as copays, deductibles, and non-covered services. You can then apply to the MHS Modified Payment and Waiver Program to have that remaining balance reduced based on your income.

The law doesn't allow this program to be applied retroactively. For debts incurred before this date, you may still be able to work with the DHA Debt Adjudication Office or the Department of the Treasury's Cross-Servicing Program to discuss other available options for financial relief.

Eligible applicants may receive a partial waiver or a full waiver. To be eligible for waiver consideration, the patient must have applied to the discount program first. If after the discount is applied, the patient wants to submit for a discretionary waiver, a medical provider will assess the extent to which the medical care provided to the patient enhanced the knowledge, skills, and abilities of the military health care providers.

The final decision authority is the Director, Defense Health Agency.

No. This program is only for medical care provided by a military hospital or clinic. It doesn't apply to civilian provider bills.

No. The regulation doesn't have a formal appeal process for a denied application. Instead, the regulation provides a path for reapplication or reconsideration if the applicant's financial situation changes.