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HNMC Financial Assistance Policy

  Policy Statement

Holy Name Medical Center (HNMC) is committed to providing medically necessary care to people who have healthcare needs, regardless of whether they are uninsured, underinsured, ineligible for a government program, or otherwise unable to pay. Holy Name's Mission is to help our community achieve the highest attainable level of health through prevention, education, and treatment. We are a community of caregivers committed to a ministry of healing, embracing the tradition of Catholic principles, the pursuit of professional excellence and conscientious stewardship. This policy is to assist the uninsured patients treated at Holy Name Medical Center for hospital services and does not cover any services provided by physicians.

Program Description

Holy Name Medical Center will provide discounts off hospital charges for all hospital patients who are uninsured as well as determine eligibility for all government programs prior to accepting an application for Charity Care. All applicants will be screened and are responsible for providing the appropriate documentation necessary for such purposes. Insured patients that have large balances after insurance may request a payment plan to settle their account.

Eligibility Requirements

Financial need will be determined in accordance with N.J.A.C. 10:52, Subchapters 11,12,13 Charity Care and comply with Holy Name Medical Center's application, approval, billing and processing of NJHC Assistance Program Policy or Uninsured Patient Policy, as appropriate.

A request for Financial Assistance or Charity Care, and a determination of financial need should occur prior to rendering of services. However, determination may be done after services have been rendered and will not delay any emergency care. The need for payment assistance may be reevaluated at each subsequent time of service but not less than yearly, and at any time additional information relevant to the eligibility of the patient for charity or financial assistance becomes known. The application must be submitted to the Financial Counseling Office within Patient Access and can be reached at 201-833-3157.

Compassionate Care Program

Patients who do not qualify for any healthcare related governmental assistance programs and do not have primary insurance coverage will be eligible for our Compassionate Care Discount Policy. This does not apply to balances after insurance payments, Cosmetic Surgery, and other special programs. This discount will be applied at the time of billing.

Additional discounts are available for patients that are between 300% and 500% of the Federal Poverty Level and have a completed hospital application for financial assistance.

Charity Care

In accordance with the New Jersey Hospital Care Assistance Program guidelines, patients whose family income is at or below 300% of the Federal Poverty Level are eligible for assistance from the NJ Hospital Care Assistance Program.

Hospital care payment assistance is available to New Jersey residents who:
  1. Have no health coverage or have coverage that pays only for part of the bill: and
  2. Are ineligible for any private or governmental sponsored coverage (such as Medicaid); and
  3. Meet both the income and assets eligibility criteria listed below.

Income as a Percentage of HHS Poverty Income Guidelines Percentage of Charge Paid by Patient
Less than or equal to 200%0%
Greater than 200% but less than or equal to 225%20%
Greater than 225% but less than or equal to 250%40%
Greater than 250% but less than or equal to 275%60%
Greater than 275% but less than or equal to 300%80%
Greater than 300%100%

Individual Assets cannot exceed $7,500 or $15,000 for families.

The following information would be required in addition to the Charity Care and/or Financial Assistance application for determining eligibility under the program.

This documentation includes but is not limited to:
  • Valid identification for patient, and all immediate (spouse and minor children and/or applicable dependants).
  • Proof of NJ residency.
  • Proof of all earned and unearned income including: employment, self employment, pensions, disability, rental income, child support, alimony, and monetary support.
  • Proof of all assets including: bank accounts statements, investment statements, 401k and other retirement accounts, life insurance with cash value and equity in real estate other than primary residence.

Limitation on Charges

Charges for medical care to individuals eligible for assistance under HNMC's FAP will be limited to but not billed more than the Amounts Generally Billed (AGB) to individuals who have insurance covering such care.

Emergency Medical Care Policy

Care will be provided for emergency medical condition without discrimination, and regardless of an individual's qualification under our FAP policy. An emergency medical condition is defined by Section 1867 of the Social Security Act, as part of the Emergency Medical Treatment and Labor Act (EMTALA).

Based on EMTALA, an emergency medical condition is an acute medical condition that if not given immediate medical attention could possibly result in but not limited to:
  • Placing health of the individual in serious jeopardy
  • Serious impairment of bodily functions
  • Serious dysfunction of any bodily organ or part
No emergency department patients will be demanded to pay before receiving treatment.

Billing and Collection

Holy Name Medical Center ensures the use of reasonable efforts to determine whether an individual is FAP eligible before engaging in extraordinary collection actions (ECAs) against the individual. ECAs include: reporting to credit agencies, lawsuits, liens on residences, arrests, body attachments and other similar collection processes. Reasonable Efforts will include one or more of the following: notifying the patient of the financial assistance policy upon admission, in any written or oral communications regarding patient's bill, on invoices, on the hospital website, and in phone calls.

Our goal is to protect the financial interests of those less fortunate by having collection practices that apply to all of our patients whether or not they qualify for financial assistance.

Nonpayment Process

In the event of non-payment by a patient for their portion of their bill, Holy Name Medical Center will attempt to send a minimum of two collection letters or statements before sending the account to a collection agency. The collection agency will then continue collection activities, which may consist of reporting non-payment to the credit bureau and the appropriate use of collection attorneys if and when needed.

Compliance with Regulatory Requirements

Holy Name Medical Center complies with all federal, state, and local laws, rules, and regulations that may apply to activities conducted pursuant to its Charity Care and Compassionate Care Policies.