St. Joseph Hospital

Nonprofit acute care 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.

Discount steps

• 201% to 400% of poverty level, you pay 70% discount

How to apply

1. Call (877) 727-9190 and ask for financial assistance.
2. Application form
3. Financial Assistance Policy (Covenant Health)
4. Plain language summary
5. 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

  St. Joseph Hospital, Bangor Maine; St. Joseph Hospital, Nashua, NH; St. Mary's Health System

• Free care level

  Income up to 200% of the Federal Poverty Guidelines qualifies for a 100% discount.

• Discount level

  Income 201-400% of Federal Poverty Guidelines qualifies for a 70% discount.

• Discount steps

  Income 201-400% of Federal Poverty Guidelines qualifies for a 70% discount.

• Insured patients

  Financial assistance may include unpaid coinsurance, deductibles, and non-covered services if the patient meets the hospital’s financial assistance eligibility criteria.

• Asset test

  Both income and asset testing will be completed to determine indigency.

• Residency

  This hospital provides Free Care to residents of New Hampshire whose income fall below the following income guidelines.

• Deadline

  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

  Providers not covered under the FAP

• Financial counseling phone

  To receive a free copy of the Financial Assistance Policy and application form by mail, call 877.727.9190

Last checked. 2026-11-10