# Niagara Falls Memorial Medical Center

Hospital in Niagara Falls, NY. Verified from the hospital's own policy.

Niagara Falls Memorial Medical Center 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

- 0% to 200% of poverty level, patient pays nothing (all charges waived)
- 200% to 300% of poverty level, patient pays uninsured: up to 10% of the Medicaid rate; insured: up to 10% of what insurance cost sharing would be
- 301% to 400% of poverty level, patient pays uninsured: up to 20% of the Medicaid rate; insured: up to 20% of what insurance cost sharing would be

## How to apply

- Call 716-278-4112 and ask for financial assistance.
- [Application form](https://irp.cdn-website.com/b4d1f16c/files/uploaded/Current+Financial+Assistance+application+with+5+pages.pdf)
- [Financial Aid, Charity Care and Debt Collection Standards (Policy C-23)](https://irp.cdn-website.com/b4d1f16c/files/uploaded/C23-2025-2.pdf)
- [Plain language summary](https://irp.cdn-website.com/b4d1f16c/files/uploaded/Plain+Language+Financial+Assistance+Program+2023.docx.pdf)
- We do not have the deadline yet. Apply as soon as you get a bill, and ask the billing office to pause collections while you apply.
- Bring most recent pay stub, most recent tax return (only if no pay stub), unemployment records, proof of government benefits such as SSI or Social Security, three months of business income and expenses if self-employed.
- Residency. Lives in the primary service area (Niagara, Erie, Orleans or Genesee county) or is a US resident; other areas case by case
- Savings and property. The policy looks at income only, not savings or property.
- Very large bills. Patients over the income limits who face extraordinary medical costs are considered case by case

## 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. Medically necessary services at Niagara Falls Memorial Medical Center, including its OB-GYN Center and Primary Care Center.

Not covered. Elective or cosmetic surgery not fully covered by insurance, convenience items and private rooms that are not medically necessary are not covered.

## State program in New York

### Hospital Financial Assistance Law (Public Health Law 2807-k(9-a))

Every hospital licensed by the New York State Department of Health must give financial help to patients with household income up to 400% of the federal poverty level. This covers people with no insurance. It also covers people with insurance who paid more than 10% of their income on medical bills in the last 12 months. Below 200% of the poverty level, the hospital must waive all charges. From 200% to 300%, an uninsured patient pays at most 10% of what Medicaid would pay. From 301% to 400%, the cap is 20%. Insured patients with high costs get the same caps on their share of the bill. Assets and immigration status do not count. You can apply at any time, even after a bill goes to collections. These rules apply to care on or after October 20, 2024. Hospitals run only by the Office of Mental Health are not covered.

Income levels in the program are free up to 200%, discount up to 400% of poverty level.

Applies to all hospitals licensed by the New York State Department of Health, whether or not they take part in the Indigent Care Pool; not facilities licensed only by other agencies such as the Office of Mental Health.

How to apply. Ask the hospital's financial assistance office for the New York State Uniform Financial Assistance Application. Every hospital in the state uses the same form. You do not have to pay the bill while your application is being reviewed. For free help with the application or an appeal, call Community Health Advocates at 888-614-5400.

> the hospital shall waive all charges. No nominal payment shall be collected

Source https://www.nysenate.gov/legislation/laws/PBH/2807-K, checked 2026-11-11

## Notes

The hospital's financial assistance web page still describes older levels (charity care up to 100% and help up to 200% of the poverty level), but the current written policy waives all charges up to 200% and gives discounts up to 400%. Ask for the current policy if you are told otherwise. Decisions come within 30 days of a complete application, and approval lasts 12 months. Payment plans have no interest, and monthly payments cannot be more than 10% of gross monthly income. The hospital will not send a bill to collections while your application is pending. Payment arrangements are through the Credit Department at 716-278-4568.

## Sources

- Free care level https://irp.cdn-website.com/b4d1f16c/files/uploaded/C23-2025-2.pdf
  > Policy provides a full adjustment for individuals and families with annual incomes at or below 200% of the FPG
- Discount level https://irp.cdn-website.com/b4d1f16c/files/uploaded/C23-2025-2.pdf
  > Policy is applicable to all individuals and families with annual incomes at or below 400 percent of the most up-to-date FPG
- Discount steps https://irp.cdn-website.com/b4d1f16c/files/uploaded/C23-2025-2.pdf
  > Below 200% FPL Waive all charges
- Insured patients https://irp.cdn-website.com/b4d1f16c/files/uploaded/C23-2025-2.pdf
  > Self-pay individuals, as well as underinsured individuals, deemed eligible for charity care will have adjustments applied based on the table supplied.
- Asset test https://irp.cdn-website.com/b4d1f16c/files/uploaded/C23-2025-2.pdf
  > Eligibility for adjustments is based on income and family size and no other factors (e.g. assets, insurance status
- Residency https://irp.cdn-website.com/b4d1f16c/files/uploaded/C23-2025-2.pdf
  > Patients must be located in the Primary Service Area or a resident of the United States in order to qualify for Financial Assistance.
- Very large bills https://irp.cdn-website.com/b4d1f16c/files/uploaded/C23-2025-2.pdf
  > who exceed financial eligibility criteria but face extraordinary medical costs should be considered on a case by-case basis.
- Financial counseling phone https://www.nfmmc.org/financial-assistance
  > Financial Counseling: 716-278-4112 (7am-3pm) or 716-278-4026 (9am-5pm)

Last checked 2026-11-11.

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