Covenant Health is an innovative, Catholic regional delivery network and a leader in values based, not-for-profit health and elder care. We sponsor hospitals, nursing homes, assisted living residences and other health and elder care organizations throughout New England.
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Price Transparency

Our Patient Financial Counselors are available to answer any questions you may have about the cost of an upcoming procedure, test or admission. Contact us at (603) 578-5008 Monday through Friday from 8:00am to 4:00pm.

Download Frequently Asked Questions (PDF)

BEFORE YOUR HOSPITAL PROCEDURE / STAY 

St. Joseph Hospital can help you better understand and plan for any out-of-pocket health care costs by providing our patients with information on costs for an upcoming service or procedure.    

 

Please note that prices offered are estimates only – procedure costs will vary based on your specific circumstances including health insurance status and changes in coverage; length of time spent in the hospital; additional tests or procedures ordered by your physician; or any unforeseen conditions or circumstances surrounding your care or recovery.    

If you have health insurance and would like a price estimate, please contact your insurance provider by calling the telephone number on the back of your health insurance member card or by visiting their website.  The Affordable Care Act requires health insurance companies to provide pricing information to their customers, including both the hospital portion as well as the physician services. 

If you don’t have health insurance and would like to receive an estimate of your financial responsibility for an upcoming service or procedure, please call us at (603) 578-5008, and we can help determine the estimated cost of an upcoming service or procedure. 

To help us better serve you, please feel free to download and use the Consumer Checklist, which identifies some of the information that we’ll need to provide you with a price estimate. Price estimates provided by St. Joseph Hospital will represent the hospital portion of your medical bill only – physician services are billed directly from the physician name. 

 

KNOW YOUR INSURANCE COVERAGE

If you have health insurance and would like a price estimate, there are steps you can take to understand your insurance coverage and protect yourself from surprise bills.  Your insurance company can answer questions about your coverage and anticipated costs.  You can contact your insurance provider by calling the telephone number on the back of your health insurance member card or by visiting their website.   

Based on your insurance plan, you may be billed for deductibles, co-payments or co-insurance for your procedure or medical care.  All covered services will be billed directly to your insurance company.

Below are some questions you can ask that will help you in determining your healthcare costs: 

  •  Ask your insurance company whether you need a pre-authorization or a referral before scheduling the procedure at the hospital
  • Ask your physician for the Current Procedure Terminology Code (CPT Code) or specific procedure descriptions – and then ask your insurance company if it is covered by your plan
  • Ask your insurance company if the hospital is in-network with your insurance plan
  • Ask the hospital if any additional tests will be ordered, or if there will be any additional physicians who will be taking care of you during your procedure / hospital stay.  These might include surgical, anesthesiology, pathology, radiology, etc.
  • Ask your insurance company for an estimate of out-of-pocket costs – this may include a co-payment, deductible or co-insurance costs.

The Affordable Care Act requires health insurance companies to provide pricing information to their customers, including both the hospital portion as well as the physician services. 


In-Network vs. Out-of-Network 
St. Joseph Hospital does not participate in-network with all insurance plans.  If you receive care from an out-of-network hospital or physician it could increase your out-of-pocket costs.  To verify your out-of-network services, contact your insurance company directly by calling the number listed on the back of your insurance card. 

If you need assistance paying for your healthcare services, please contact one of our financial representatives at (603) 578-5008 to learn more about our financial assistance programs and payment plans available to you. Financial representatives are available to answer all of your billing and payment questions and are available from 8:00am to 4:00pm Monday through Friday. Representatives are available to assist you or your family with questions regarding insurance benefits, hospital charges, payment options and applications for financial assistance.


If you are Unisured 
St. Joseph Hospital provides care to everyone who needs it, regardless of their insurance status or ability to pay.  If you don’t have insurance coverage, we can provide you with information on available insurance options, eligibility requirements and applying for health insurance coverage.  In addition, St. Joseph Hospital provides discounts for those without insurance – contact us at (603) 578-5008 to learn more. 

If you don’t have health insurance and would like to receive an estimate of your financial responsibility for an upcoming service or procedure, please call us at (603) 578-5008, and we can help determine the estimated out-of-pocket costs. 

UNDERSTANDING YOUR HOSPITAL BILL 

After your procedure or discharge from the hospital, you will receive a hospital bill for services and care you received from the hospital during your procedure or stay.  You may receive separate bills from your own physician, or from other physicians that provided care / services during your procedure or hospital stay. Click here for more information about St. Joseph Hospital Provider Based Billing.

If you have health insurance, we will bill your insurance company directly – you will see a summary of services billed directly to your insurance on your hospital bill.
  
You will receive an Explanation of Benefits from your insurance company which will explain what it paid the hospital for your care, or what it declines to pay.  You may receive a bill for expenses not covered by your insurance company, such as co-pays, deductibles or co-insurance.   

Download Understanding Hospital Prices (PDF)

If you have any questions about your hospital bill, please contact us at (603) 578-5008.