Niagara Falls Memorial Medical Center

Nonprofit acute care 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.

Discount steps

• 0% to 200% of poverty level, you pay nothing (all charges waived)
• 200% to 300% of poverty level, you pay 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, you pay uninsured: up to 20% of the Medicaid rate; insured: up to 20% of what insurance cost sharing would be

How to apply

1. Call 716-278-4112 and ask for financial assistance.
2. Application form
3. Financial Aid, Charity Care and Debt Collection Standards (Policy C-23)
4. Plain language summary
5. 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.
6. 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.

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

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

  Policy provides a full adjustment for individuals and families with annual incomes at or below 200% of the FPG

• Discount level

  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

  Below 200% FPL Waive all charges

• Insured patients

  Self-pay individuals, as well as underinsured individuals, deemed eligible for charity care will have adjustments applied based on the table supplied.

• Asset test

  Eligibility for adjustments is based on income and family size and no other factors (e.g. assets, insurance status

• Residency

  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

  who exceed financial eligibility criteria but face extraordinary medical costs should be considered on a case by-case basis.

• Financial counseling phone

  Financial Counseling: 716-278-4112 (7am-3pm) or 716-278-4026 (9am-5pm)

Last checked. 2026-11-11