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New Jersey Charity Care

NJ Charity Care is free or reduced charge care which is provided to patients who receive inpatient and outpatient services at acute care hospitals throughout the state of New Jersey. Charity Care is available only for emergent or medically necessary hospital care. Some services such as physician fees, anesthesiology fees, radiology interpretation, and outpatient prescriptions are separate from hospital charges and may not be eligible for reduction.

In accordance with Charity Care guidelines, payment assistance is available to New Jersey resident patients whose household gross income is at or below 300% of the federal poverty guidelines and who:

  • Have no health coverage or have coverage that pays only for part of the bill; and
  • Are ineligible for any private or governmental sponsored coverage (such as Medicaid); and
  • Meet both the income and assets eligibility criteria as follows:
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 and family assets cannot exceed $15,000. Should an applicant's assets exceed these limits, he/she may "spend down" the assets to the eligible limits through payment of the excess toward the hospital bill and other approved out-of-pocket medical expenses.

The following information would be required in addition to the Charity Care 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) dependents.
  • 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 (individual, joint, immediate family) 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.

Patients can apply and/or obtain an application for Charity Care either on-line or by calling the financial counseling office at 201-833-3157 to schedule an appointment. Office hours are Monday through Friday between 8:30am to 2:30pm.