Billing, Payments and Insurance

Billing, Payments and Insurance

At Southern New Hampshire Health, we want to make it easy for you to find and understand billing and insurance information. 

Pay a Bill

Billing 

We’ll bill your insurance company for the services we provided to you, including hospital stays, tests, procedures and doctor visits. In some cases, you may need to pay a bill.

Who should I call if I have a question about my bill?  

For Southern New Hampshire Medical Center or Foundation Medical Partners billing questions: 

My insurance company didn’t pay my bill. Why? 
Please call your insurance company. They can explain your medical bill to you. Depending on your health insurance plan, you may have to pay a deductible, co-pay, or co-insurance amount for some services and not for others. 

If I receive a bill that I believe is in error, should I “file” it away and wait to receive a second bill? 
No. You should call us immediately. Don’t wait to ask us a question about your bill.

Charitable Care Policy

We understand that medical costs are unexpected, and many patients need help covering the cost of their care. We can help you apply for financial assistance, or we can set you up on a payment plan. Southern New Hampshire Health is committed to providing charitable care to persons who have health care coverage needs.  This includes persons that are uninsured, underinsured, are ineligible for governmental programs and are otherwise unable to pay for medically necessary care based on their individual financial situations.  

Below is a summary of our Financial Assistance Policy. View the full policy in English or Spanish.

We are committed to providing necessary healthcare services to every patient, regardless of your ability to pay. We offer financial assistance if you: 

  • Need medically necessary, urgent or emergency services 
  • Live in Nashua, NH, or in a town surrounding Nashua 
  • Are uninsured, and do not qualify for any other funding sources such as the New Hampshire Healthcare Insurance Exchange or New Hampshire Medicaid 
  • Have an annual income that is at or below 225 percent of the federal poverty guidelines, depending on your family size. 
  • Do not have enough assets (home, bank account and stocks) to cover your medical expenses 

The State of New Hampshire requires that even if you are uninsured, your fee for service cannot be more than the amount we generally receive from patients covered by insurance, including Medicare. Your first billing statement reflects this discount.  We then apply any financial assistance you receive to these discounted balances. 

You can use financial aid to pay charges at the Medical Center or from Foundation Medical Partners. However, the financial assistance program does not cover bills from any other providers such as North American Partners in Anesthesia (New Hampshire) or Pathology Specialists of New England. 

Call Financial Counseling at 603-281-6630. Also, paper applications and a hard copy of our financial assistance policy are available at the cashier's office located near the main lobby at Southern New Hampshire Medical Center, 8 Prospect Street, Nashua, NH. The office is open Monday through Friday, from 8am - 4pm.  You can apply in person or by mail.

Mail a request to this address or call this number if you would like an application and/or copy of our policy mailed to you.

Download a copy of the application in English or Spanish. 

Understanding Possible Costs from an Annual Medicare Wellness Visit or Yearly Preventative Care Visit 

Patients with Medicare coverage may have one Medicare Wellness visit per year at no cost with their primary care provider. For patients who are covered by commercial insurances, one yearly Preventative Care visit is covered at no cost.

These preventive and wellness appointments with your primary care provider allow us to monitor your health, provide valuable screenings, and ensure you’re on the right track to a healthy future.

Your health and wellbeing are always our top priorities, and we are dedicated to providing you with as much information as possible to make informed healthcare decisions. Thank you for entrusting us with your care.

To learn what your out-of-pocket costs are for diagnostic visits, please resource your insurance member card OR call your insurance member services line, the phone number is typically located on the back of your insurance card.

  • Comprehensive review of your medical history
  • Health screenings (e.g., blood pressure, weight, review preventative care needs)
  • Personalized wellness plan to address nutrition exercise, and preventive care

We want to ensure you receive the appropriate care for any new and chronic medical issues that go beyond routine preventive care. Please be aware that during your wellness or preventative care visit, if we review a chronic health issue or address a new medical issue that requires additional evaluation, a diagnostic office visit may be necessary. In such cases, your health insurance plan may apply a separate copayment, coinsurance, deductible, or out-of-pocket cost for an office visit.

Annual wellness and preventative visits look for illness before you have symptoms. It is not an office visit to treat new or continuing concerns such as headaches, high blood pressure, or back pain. Once a specific health issue becomes the topic of the visit, you may incur a diagnostic cost.

The charge will appear as a separate office visit on your bill. 

If you prefer to only discuss preventative care as planned during your wellness or preventative care visit, you may schedule a separate appointment with your provider to discuss specific health concerns. However, the office visit charge and potential out of pocket cost would still apply with a separate appointment time.

Yes, regardless of the health system you visit for a Medicare Wellness visit or yearly Preventative Care appointment, the same charges can be incurred due to insurance coverage.

Health Insurance  

Always check with your insurance company before scheduling an appointment. We also offer programs for patients without health insurance. Southern New Hampshire Health accepts most major health plans. In addition, we participate in all health plans offered on the NH Marketplace (the Exchange) and the Small Business Health Options Program (SHOP). 

You can visit healthcare.gov to learn more about the Marketplace or to sign up for health insurance. Our staff and volunteers can help you apply for health insurance through the Marketplace. Please call 603-577-7800 if you need assistance applying through the Marketplace.

Please contact your health insurance company to ensure we are participating providers with your health plan.

Accepted Insurance Plans

The following is a list of most insurance plans Southern New Hampshire Health accepts. Be sure to contact your insurance company directly with questions about your insurance coverage.

  • Aetna 
  • Allways Health Partners 
  • Ambetter 
  • Amerihealth Caritas New Hampshire 
  • Anthem Blue Cross & Blue Shield of NH 
  • Anthem Medicare Advantage 
  • Anthem Pathway products 
  • Cigna Health Care 
  • Community Health Options 
  • Fallon Health 
  • Harvard Pilgrim Elevate Health 
  • Harvard Pilgrim Health Care of New England 
  • Harvard Stride Medicare Advantage 
  • Humana Medicare Advantage 
  • Martins Point Generations Advantage 
  • Martins Point US Family Health Plan 
  • Medicare 
  • Minuteman Health (beginning January 1, 2017) 
  • Multiplan 
  • New Hampshire Healthy Families 
  • NH Medicaid 
  • Tufts Health Freedom 
  • Tufts Health Plan 
  • United Health Care 
  • United Health Care Medicare Advantage 
  • Veterans Choice (upon Veterans Administration approval) 
  • Well Sense Health Plan