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Billing, Insurance, and Financial Assistance

It is the Policy of Westchester Medical Center, including MidHudson Regional Hospital, (collectively, “WMC”) to provide Financial Assistance in compliance with New York State.

Understanding Your Financial Responsibilities

Patients at Westchester Medical Center, Maria Fareri Children's Hospital and MidHudson Regional Hospital should understand how their bill is processed and be familiar with their insurance coverage. For Westchester Medical Center and Maria Fareri Children's Hospital please contact our Patient Accounts Department at 914.493.2089 between 9 am and 4 pm to assist you with any questions. For MidHudson Regional please contact Patient Financial Services at 845.431.8134 between 9 am and 4 pm. Your Health Insurance Coverage Hospital insurance plans vary widely and we recommend that you carefully read the terms of your policy. Some contracts limit the number of days and/or amount of coverage under the terms of the plan. Please bring all your medical insurance cards and any special forms required to your pre-admission testing or on the day you are admitted. Items not covered by insurance, such as deductibles and private rooms, are payable in full at the time of discharge.

Notifying Your Insurance Carrier

You are responsible for contacting your insurance carrier prior to elective admission (if required) and 24 to 48 hours after Emergency Room admittance or transfer from another hospital. Refer to your contract to ensure you adhere to the terms of your specific plan. If there are any questions about your insurance, a Patient Accounts Representative will contact you either for more information or to explain your responsibilities. It is important that you understand that the final responsibility for payment is with you, the patient.

About Your Bill

Your bill from WMC does not include your doctor's fee nor the fees of other physician specialists, such as anesthesiologists, radiologists, pathologists or other consulting physicians to whom you may be referred by your doctor. You will receive a separate bill for services from each of them.

For remittance of checks:

If you (a patient) have received a check from your insurance company at your home address, please endorse the back of the check and mail with the Explanation of Benefits to:

Westchester Medical Center
Client ID # 400008
P.O. Box 5044
New Britain, CT

Financial Assistance

Does WMC offer a Financial Assistance Program?

Yes. WMC remains devoted to continued excellence in patient care and serving the community. As a partner in the community we offer a Financial Assistance Program which allows us to provide care to patients without charge or at amounts less than our established rates.

Who qualifies for a discount and what are the income limits?

Financial assistance is available for patients with limited income and no health insurance. Although Westchester Medical Center’s primary service area is defined as the five counties of Westchester, Putnam, Orange, Rockland and Bronx, everyone in New York State who receives medically necessary services may be eligible for a discount if they meet certain income limits (See Policy). The amount of the discount varies based on your income and the size of your family. Do not be afraid to apply – you may qualify even if you work or own a home or car. Eligibility is based on the federal poverty guidelines (English) / (Spanish).

View our summaries:

What services are covered?

All medically necessary services may be covered under the financial assistance program. This may include outpatient services, inpatient care, and emergency services. Please note that charges from private doctors who provide certain services in the hospital are billed by the respective physicians and may not be covered under this program.

How do I get information about the Financial Assistance Program?

To inquire about our Financial Assistance Program, please contact us at (914) 493-7830 or ask any of our registration staff members for an informational packet.

What do I need to do to apply for the program?

Free, confidential help is available for the program. We will help you complete an easy application and will let you know of a few documents that may be needed (photo identification, pay stubs, etc.). If you, your family members, or friends do not speak English, someone will assist you in your own language.

The Financial Counselor can also tell you if you qualify for free or low-cost health insurance such as Medicaid or Child Health Plus.

A copy of our application is available by clicking the following links:

If you are also planning to apply for Medicaid, please see New York State’s document requirements below:

For more information, please see any registration specialist or call 914.493.7830. We are here to help.

What if I have a problem that I cannot resolve with the hospital?

You can call the New York State Department of Health at 1.800.804.5447.

Participating Plans

Below is a listing of the plans with which the hospital participates. You may also call us at 914.493.5446 to inquire on specific products within the plans. We also encourage you to call your insurance company to confirm participation. You can also reach us at the above number to obtain information on your financial responsibility.

Physician Services

It is important for you to know that the physician services you receive in the hospital are not included in the hospital’s charges. Physicians bill for their services separately and may or may not participate in the same health plans as the hospital. You should check with the physician arranging your hospital services to determine which plans that physician participates in. Hospital contracts with WMC Advanced Physician Services, P.C. (WMCAPS) to provide anesthesiology, radiology and pathology services. You can obtain insurance verification information on WMCAPS physicians by contacting:

WMC Advanced Physician Services, P.C.
19 Bradhurst Avenue, Suite 3100N
Hawthorne, NY 10532


Westchester Medical Center is committed to being transparent about our charges. The information on this (DOCUMENT) contains the charges for all services and items provided by the hospital. The charges are uniform for all patients served by the hospital.

However, the hospital charges rarely reflect the expected out-of-pocket expense for a specific hospital service. Your own charges and out-of-pocket expenses will depend on one or more of the following:

  • The actual patient care services received
  • The terms of your insurance coverage, and/or
  • Your eligibility for financial assistance (SEE POLICY)

For a fuller understanding of your estimated out-of-pocket expenses, you should contact your insurer.

Federal regulations also require all hospitals to make available their standard charges for DRGs. Please use the following link for a machine-readable copy (EXCEL DOWNLOAD): The comprehensive list of DRGs provided at Westchester Medical Center is based on FY2017 data from the Centers for Medicare & Medicaid Services’ Input Utilization and Payment Public Use File, which is the most recent available.

For Questions and Answers please CLICK HERE or see below.