# Plan
1. Open the second envelope from the hospital first so you know whether anything changed.
2. Sign and date application-filled.md (add your own age), and sign cover-letter.md.
3. Mail together: the application, the cover letter, and both pay stubs (09/11 and 09/25/2026). Keep copies.
4. Send to: Financial Assistance Office, Saint Brigid Regional Medical Center, 400 Harbor Road, Lantern Hollow.
5. Last day to apply: Sunday, April 25, 2027 (240 days after the August 28, 2026 first statement).
6. Do not wait: collections referral is possible from December 26, 2026 (120 days); applying pauses it.
7. Expect a written decision within 30 days of a complete application. Call if you hear nothing by then.
8. Expected result: $1,640 x 26 = $42,640, under the $53,300 free care limit for 3, so you should owe $0.
9. If they say no: ask in writing for the reason and the income figure they used, and check it against the policy table.
10. If they made an error or are missing a document, send the correction or document and ask them to reconsider.
11. Ask whether there is an appeal process, and ask for a no-interest payment plan while it is resolved.