Financial Information

Price Transparency

In addition to making available a list of standard charges (sometimes called a chargemaster) for all services provided at the facility, the Centers for Medicare and Medicaid Services now requires hospitals to disclose negotiated rates with various insurance providers and discounted cash prices to patients without insurance. This information is current as of its posting and will be updated annually, as the rule requires.

Please contact Morgan Medical Center’s Financial Counselor at (706) 752-2226 to receive a more accurate patient estimate or to discuss your payment options.

Pricing Transparency – Charge File

Pricing Transparency – Shoppable Services

Please visit our Patients page for information about Federal Poverty Guidelines and Applications.

Financial Assistance Program

Morgan Medical Center is committed to providing healthcare services to all patients based on medical necessity. We offer financial assistance to qualifying patients. Our mission is to work with our patients to find ways to make Morgan Medical Center’s care more affordable. We offer several assistance options, including Indigent, Charity, discounted care, payment plans, and online payment capabilities.

Uninsured patients may receive full or partial assistance for emergency and medically necessary care. An applied discount of up to 100% for patients who earn less than 200% of the Federal Poverty Level Guidelines. Patients who qualify for financial assistance will not be charged more than the Medicare discount rate. Uninsured and underinsured may also qualify for a one-time financial assistance adjustment for medication dispensed at Morgan Medical Center Pharmacy. Services such as cosmetic procedures and other services that normally are not covered by insurance, will not receive any additional discounts.

How to Apply for Assistance

Free copies of the FAP, plain language summary, and the FAP application may be obtained through any of these sources:


Hospital Registration Office

Over the Phone



Financial Information

Other Financial Options and Information Available

If a patient’s circumstances do not qualify for fully discounted services, other options may be available for resolving outstanding balances, as outlined below.

Need a Price Estimate?

Estimates for scheduled services occurring at our hospital are available for patients with or without insurance. For more information, please contact our Patient Financial Counselor at 706-752-2226.

Uninsured Discounts

Morgan Medical Center offers an automatic discount for all patients who do not have health insurance coverage. Please contact us if you have any questions about this program.

Payment Plans

Morgan Medical Center offers no-interest payment plans. If you would like to set up a payment plan, please call our Financial Care Team at 706-752-2226 or 706-752-2218. Payments can be made using cash, check, debit, or credit card.

Financial Questions

What is a charge?

A hospital charge is a federally-required maximum “list price” for an item or service that does not reflect any negotiated discount by the insurance provider.

Hospitals are required to maintain a catalog of procedures, descriptions and list prices in a complex accounting tool, known as the hospital chargemaster.

Although patients rarely pay the full charge amount, federal regulations require hospitals to apply the full list price (charge) to all patients who receive an item or service.

How are charges different from actual insurance payments?

Medicare, Medicaid and commercial insurance providers determine what they will pay for medical services. In most cases, what the insurance company sets as the reimbursement will be less than the hospital charge.

How are charges different from out of pocket costs like deductibles or co-insurance?

Deductibles and co-insurance amounts are based on the reimbursement terms set by your insurance provider for covered services. They are rarely ever based on the actual hospital charges.

How can I receive a customized estimate of my actual out of pocket costs?

For more information about your potential out-of-pocket costs, please contact your insurance provider prior to receiving care. Please contact Morgan Medical Center’s Financial Counselor at (706) 752-2226 for a more accurate patient estimate or to discuss payment options.