# St. Joseph Hospital

Hospital in Nashua, NH. Verified from the hospital's own policy.

St. Joseph Hospital likely gives free care to households with a yearly income up to $31,920 for 1 person, $43,280 for 2, $54,640 for 3, $66,000 for 4, $77,360 for 5 or $88,720 for 6. It likely gives a discount 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.

The hospital makes the final decision.

| Household size | Free care if yearly income is up to | Discount if yearly income is up to |
|---|---|---|
| 1 | $31,920 | $63,840 |
| 2 | $43,280 | $86,560 |
| 3 | $54,640 | $109,280 |
| 4 | $66,000 | $132,000 |
| 5 | $77,360 | $154,720 |
| 6 | $88,720 | $177,440 |

Dollar amounts use the 2026 federal poverty guidelines.

## Discount steps

- 201% to 400% of poverty level, patient pays 70% discount

## How to apply

- Call (877) 727-9190 and ask for financial assistance.
- [Application form](https://stjosephhospital.com/wp-content/uploads/2025/09/Covenant-FreeCare-Application-Jan-2024-SJN-1-UPDATED-BANK-STMT-9.5.251.docx)
- [Financial Assistance Policy (Covenant Health)](https://stjosephhospital.com/wp-content/uploads/2026/10/Financial-Assistance-Policy.pdf)
- [Plain language summary](https://stjosephhospital.com/wp-content/uploads/2026/10/SJN_Financial-Assistance-Plain-Language-Summary-10.7.26.pdf)
- The policy gives 240 days to apply. Ask the billing office which date the count starts from.
- Residency. New Hampshire resident (the Covenant policy covers New Hampshire and Maine residents)
- Savings and property. The policy counts savings or property, not only 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 and medically necessary hospital care.

Not covered. Some physicians bill separately; the hospital posts lists of providers covered and not covered.

## Notes

Covenant Health policy effective 01/2024 (copy retrieved 09/2026). Uninsured patients get an automatic self-pay discount without applying. Approval lasts six months, or up to a year for some people on fixed income between 151% and 200%. Decision within 30 days of a complete application. Apply in person with the Financial Counselor at St. Joseph Hospital, 172 Kinsley Street, Nashua. The 2026 Free Care notice also lists a lower 'NH Free Care' income column ($23,940 for one person) beside the hospital's own column ($31,920 for one person). The application is a Word file. The plain-language summary and application were linked but not read.

## Sources

- System https://stjosephhospital.com/wp-content/uploads/2026/10/Financial-Assistance-Policy.pdf
  > St. Joseph Hospital, Bangor Maine; St. Joseph Hospital, Nashua, NH; St. Mary's Health System
- Free care level https://stjosephhospital.com/wp-content/uploads/2026/10/Financial-Assistance-Policy.pdf
  > Income up to 200% of the Federal Poverty Guidelines qualifies for a 100% discount.
- Discount level https://stjosephhospital.com/wp-content/uploads/2026/10/Financial-Assistance-Policy.pdf
  > Income 201-400% of Federal Poverty Guidelines qualifies for a 70% discount.
- Discount steps https://stjosephhospital.com/wp-content/uploads/2026/10/Financial-Assistance-Policy.pdf
  > Income 201-400% of Federal Poverty Guidelines qualifies for a 70% discount.
- Insured patients https://stjosephhospital.com/wp-content/uploads/2026/10/Financial-Assistance-Policy.pdf
  > Financial assistance may include unpaid coinsurance, deductibles, and non-covered services if the patient meets the hospital’s financial assistance eligibility criteria.
- Asset test https://stjosephhospital.com/wp-content/uploads/2026/10/Financial-Assistance-Policy.pdf
  > Both income and asset testing will be completed to determine indigency.
- Residency https://stjosephhospital.com/wp-content/uploads/2026/03/2026-Free-Care-Guidelines-Notice-SJN-landscape.pdf
  > This hospital provides Free Care to residents of New Hampshire whose income fall below the following income guidelines.
- Deadline https://stjosephhospital.com/wp-content/uploads/2026/10/Financial-Assistance-Policy.pdf
  > Covers dates of service in which the initial claim to the patient is within 240 days preceding the date of application.
- What is not covered https://stjosephhospital.com/financial-services/financial-assistance/
  > Providers not covered under the FAP
- Financial counseling phone https://stjosephhospital.com/financial-services/financial-assistance/
  > To receive a free copy of the Financial Assistance Policy and application form by mail, call 877.727.9190

Last checked 2026-11-10.

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