# Northeast Hospital Corporation

Hospital in Beverly, MA. Verified from the hospital's own policy.

Northeast Hospital Corporation likely gives free care to households with a yearly income up to $63,840 for 1 person, $86,560 for 2, $109,280 for 3, $132,000 for 4, $154,720 for 5 or $177,440 for 6. We have not found a discount for incomes above the free care level.

The hospital makes the final decision.

| Household size | Free care if yearly income is up to | Discount if yearly income is up to |
|---|---|---|
| 1 | $63,840 | not found |
| 2 | $86,560 | not found |
| 3 | $109,280 | not found |
| 4 | $132,000 | not found |
| 5 | $154,720 | not found |
| 6 | $177,440 | not found |

Dollar amounts use the 2026 federal poverty guidelines.

## Discount steps

- 0% to 400% of poverty level, patient pays nothing (100% discount) on the patient balance

## How to apply

- Call 781-744-8815 and ask for financial assistance.
- [Application form](https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf)
- [NHC Financial Assistance Policy (revised April 2024)](https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf)
- The policy gives 240 days to apply. Ask the billing office which date the count starts from.
- Bring state or federal tax returns, W-2 and/or 1099 forms, four most recent pay stubs, four most recent checking or savings statements, HSA, HRA or FSA statements, copies of medical bills (Medical Hardship only), proof of a Medicaid application or denial in the past 6 months.
- Savings and property. The policy counts savings or property, not only income.
- Very large bills. 100% discount at any income if medical debt is 25% or more of family income

## If you have insurance

Insured patients can also apply for help with deductibles and copays.
Keep your insurance. Financial assistance covers bills from this one place only.

## What is covered

Covered. Emergency care in or out of network, and in-network urgent and medically necessary care, from the hospital and its employed or affiliated providers listed in Appendix 5 of the policy.

Not covered. Elective services. Doctors and others who do not follow the policy, such as private physicians and ambulance transport (listed in Appendix 5). Out-of-network non-emergency care. Out-of-network copays, coinsurance and deductibles. Accounts where an insured patient chose not to use their insurance.

## State program in Massachusetts

### Apply for MassHealth first

Apply for MassHealth first. In Massachusetts one application (ACA-1) checks you for MassHealth, Health Connector plans and the Health Safety Net together. Hospital financial counselors help with it for free, and most hospital financial assistance policies require you to apply before the hospital will review its own discounts. MassHealth phone is (800) 841-2900.

> Applications and qualifications are available on line here: Member Booklet for Health and Dental Coverage and Help Paying Costs (ACA-1).

Source https://www.mass.gov/info-details/health-safety-net-for-patients, checked 2026-11-10

### Health Safety Net

The Health Safety Net (HSN) pays for some care at Massachusetts acute care hospitals and community health centers for low-income Massachusetts residents who are uninsured or underinsured. It is not insurance. With family income up to 150% of the poverty level there is no deductible. From above 150% up to 300% there may be a yearly deductible based on income. It can pay after other insurance, including private plans, Medicare and some MassHealth programs. You apply with the same application used for MassHealth, so MassHealth is checked first. There is no member card. You must renew every year. HSN pays the hospital's own charges. Doctors who bill separately, and labs or x-rays run by private companies, may not be covered. HSN Medical Hardship can help residents at any income when medical bills are a large share of income.

Income levels in the program are free up to 150%, discount up to 300% of poverty level.

Applies to acute care hospitals and community health centers.

Residency. Massachusetts resident

How to apply. Fill out the MassHealth application (ACA-1), online through the Health Connector, on paper, or with a hospital or health center financial counselor. The same application decides MassHealth, Health Connector plans and HSN. Bring proof of identity. Medical Hardship needs a separate application that a hospital or health center counselor submits for you.

Program phone (800) 841-2900

> Massachusetts residents with income between 0-150% of the FPL may be eligible for the Health Safety Net.

Source https://www.mass.gov/info-details/health-safety-net-for-patients, checked 2026-11-10

### Health Safety Net Medical Hardship

A Massachusetts resident at any income can get help through HSN Medical Hardship when allowable medical bills are larger than a set share of countable income. The share is 10% of income up to 205% of the poverty level, 15% from 205.1% to 305%, 20% from 305.1% to 405%, 30% from 405.1% to 605%, and 40% above 605.1%. You pay that share. A hospital or health center financial counselor files the application with itemized bills, proof of income, proof of Massachusetts residency and proof of identity.

Applies to acute care hospitals and community health centers.

How to apply. Ask a hospital or community health center financial counselor to submit a Medical Hardship application.

> Income Level Percentage of Countable Income 0 - 205% FPL 10% 205.1 - 305% FPL 15% 305.1 - 405% 20%

Source https://www.mass.gov/doc/emergency-adoption-date-filed-october-9-2026-1/download, checked 2026-11-10

## Notes

This is one of the most generous policies in Greater Boston. Family income at or below 400% of the poverty level means the whole patient balance is forgiven, compared with 150% for full Health Safety Net. There is no residency rule. You must first apply for MassHealth or Marketplace coverage (proof within the last 6 months), and money in an HSA, HRA or FSA must be used first. Assets (savings and checking) are reviewed. Approval lasts 6 months, can be extended 6 more by attesting nothing changed, reaches back to open bills from the prior 6 months, and is honored at every Beth Israel Lahey Health hospital. Decisions are made within 30 business days of a complete application. Uninsured patients who do not qualify get a 40% discount on most services. Application forms are Appendix 1 (charity care) and Appendix 2 (Medical Hardship) of the policy PDF. The Massachusetts Health Safety Net is applied for separately through MassHealth.

## Sources

- Free care level https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > Charity Care: NHC will provide care at 100% discount under this policy for patients/Guarantors whose Family Income is at or below 400%
- Discount level https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > Less than or equal to 400% FPL 100%
- Insured patients https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > Financial Assistance will be offered to eligible underinsured patients, providing such assistance is in accordance with the insurer’s contractual agreement.
- Asset test https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > The criteria to be considered ... when evaluating a patient’s eligibility for hospital Financial Assistance include: ● Family Income ● Assets
- Residency https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > Financial Assistance program is available to all patients meeting the eligibility requirements set forth in this policy, regardless of geographic location or residency status.
- Very large bills https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > Medical Hardship: A 100% discount will be provided for eligible patients whose medical debt is greater than or equal to 25% of their Family Income
- Deadline https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > The application period begins on the date that the first post-discharge billing statement is provided and ends on the 240th
- Hsa rule https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > such individual is not eligible for assistance under this policy until such assets are exhausted.
- Financial counseling phone https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > In person at the Financial Counseling Unit 41 Mall Road Burlington, MA 01803 (781) 744-8815
- Uninsured discount https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > will have a 40% discount applied to the hospital and physician services as listed in Appendix 5
- State program https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > Through its participation in the Massachusetts Health Safety Net, the Hospital also provides financial assistance to low-income Uninsured Patients and Underinsured Patients
- Covered facility https://beverlyhospital.org/-/media/files/beverly/nhc-fap-english.pdf
  > This policy applies to Northeast Hospital Corporation, d/b/a Addison Gilbert Hospital, BayRidge Hospital, and Beverly Hospital
- Hsn list https://www.mass.gov/doc/hsn-acute-care-hospital-locations/download
  > Beverly Beverly Hospital 85 Herrick Street 01915

Last checked 2026-11-10.

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