Arul Health

New York hospital bills are hard. Financial aid paperwork should not be.

New York hospitals offer financial aid programs. Arul reviews your bills, finds the right aid application, and helps fill it out over iMessage.

Quick and private over iMessage.

NY hospital charity careFinancial aid paperworkText or send photos
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How Arul helps with hospital bills

  1. 1Share which New York hospital sent the bill or notice.
  2. 2Arul checks the hospital charity care policy and gets the paperwork ready.
  3. 3Arul helps submit the application and contacts the billing office to follow up.

You can text photos of letters or bills anytime.

A quiet city street with residential brownstones in New York in afternoon light.

New York hospitals have financial assistance programs

Under New York State law, non-profit and general hospitals must provide financial assistance to patients who qualify based on income. Even with insurance, co-pays and deductibles can qualify for hospital discounts. You do not have to figure out the eligibility rules or packet requirements by yourself.

What Arul does for you

Reads your hospital bills

Snap a photo of any statement or letter. Arul reads the balance, line items, and account numbers.

Finds the right application

Arul tracks down the specific financial assistance policy and application form for your hospital.

Fills out the paperwork

Arul helps gather required proof of income and prepares the application for your review.

Follows up with the office

Arul sends forms by fax or email and contacts the hospital financial office to track the status.

Frequently asked questions

Can I apply if I have health insurance?

Yes. New York State hospital financial assistance laws apply to both uninsured patients and insured patients who cannot afford their remaining balance or co-insurance.

How do I send my bill to Arul?

You can take a photo of the bill with your phone and text it directly in your iMessage chat. Arul pulls the necessary details to match the right hospital aid office.

Does Arul negotiate debt with collection agencies?

Arul helps you prepare and submit the hospital's own financial aid and charity care forms, but Arul does not negotiate settlements, dispute credit reports, or provide legal representation.

What documents are usually needed?

Most hospitals ask for proof of New York residence, recent paystubs, tax returns, or a simple letter explaining your income. Arul tells you exactly what your hospital requires.

No endless phone trees or lost paperwork. Just clear guidance and real support over text.

Your information stays yours

  • Encrypted

    What you share is encrypted when it is stored and when it is sent.

  • Never sold

    Arul Health does not sell your information or share it with ad networks.

  • Nothing without your OK

    Arul shows you anything it sends in your name before it goes.

  • Yours to take back

    Disconnect any account at any time, or ask us to delete what we hold.

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