​Billing and Insurance

Patient Financial Services Center

Here you will find a simple, up-to-date summary of your account, useful answers to your billing questions, and a convenient way to view and pay your bill online.

Click here to pay your bill online 

To pay your bill by phone, please call: 978-834-8300

Our Billing Policies

Patients who receive care at Anna Jaques Hospital will receive a bill from the hospital and a bill from the physician who participates in their treatment. We understand how overwhelming it can be to deal with health issues, let alone billing concerns. In addition, we understand that medical bills and insurance details can be confusing. It is our goal to make the process as easy as possible for you.

Policies and Applications

Application for Financial Assistance

AJH Application For Financial Assistance English
AJH Application for Financial Assistance Arabic
AJH Application for Financial Assistance French
AJH Application for Financial Assistance Greek
AJH Application for Financial Assistance Italian
AJH Application for Financial Assistance Japanese
AJH Application for Financial Assistance Khmer
AJH Application for Financial Assistance Portuguese
AJH Application for Financial Assistance Russian
AJH Application for Financial Assistance Simplified Chinese
AJH Application for Financial Assistance Spanish
AJH Application for Financial Assistance Traditional Chinese
AJH Application for Financial Assistance Vietnamese

Credit and Collections Policy

AJH Credit and Collections Policy English
AJH Credit and Collections Policy Arabic
AJH Credit and Collections Policy French
AJH Credit and Collections Policy Greek
AJH Credit and Collections Policy Italian
AJH Credit and Collections Policy Japanese
AJH Credit and Collections Policy Khmer
AJH Credit and Collections Policy Portuguese
AJH Credit and Collections Policy Russian
AJH Credit and Collections Policy Simplified Chinese
AJH Credit and Collections Policy Spanish
AJH Credit and Collections Policy Traditional Chinese
AJH Credit and Collections Policy Vietnamese

Financial Assistance Policy

AJH Financial Assistance Policy English
AJH Financial Assistance Policy Arabic
AJH Financial Assistance Policy French
AJH Financial Assistance Policy Greek
AJH Financial Assistance Policy Italian
AJH Financial Assistance Policy Japanese
AJH Financial Assistance Policy Khmer
AJH Financial Assistance Policy Portuguese
AJH Financial Assistance Policy Russian
AJH Financial Assistance Policy Simplified Chinese
AJH Financial Assistance Policy Spanish
AJH Financial Assistance Policy Traditional Chinese
AJH Financial Assistance Policy Vietnamese

Medical Hardship Application

AJH Medical Hardship Application English
AJH Medical Hardship Application Arabic
AJH Medical Hardship Application French
AJH Medical Hardship Application Greek
AJH Medical Hardship Application Italian
AJH Medical Hardship Application Japanese
AJH Medical Hardship Application Khmer
AJH Medical Hardship Application Portuguese
AJH Medical Hardship Application Russian
AJH Medical Hardship Application Simplified Chinese
AJH Medical Hardship Application Spanish
AJH Medical Hardship Application Traditional Chinese
AJH Medical Hardship Application Vietnamese

Plain Language Summary

AJH Plain Language Summary English
AJH Plain Language Summary Arabic
AJH Plain Language Summary French
AJH Plain Language Summary Greek
AJH Plain Language Summary Italian
AJH Plain Language Summary Japanese
AJH Plain Language Summary Khmer
AJH Plain Language Summary Portuguese
AJH Plain Language Summary Russian
AJH Plain Language Summary Simplified Chinese
AJH Plain Language Summary Spanish
AJH Plain Language Summary Traditional Chinese
AJH Plain Language Summary Vietnamese

Hospital Statement

Hospital bills are based on the type of care you receive. After we provide services, we will file a claim with your insurance carrier. Your insurance company will process the claim and decide, depending on your coverage, if you owe any money. If you do owe money, or if you do not have insurance, we will mail a bill to you. The amount you owe may include insurance deductibles, non-covered services or items, co-payments, or co-insurance balances.

Payment Expectations

Account balances are to be paid within 30 days from the statement date. If you are unable to pay in full by that date, you should contact our Patient Account Department at 978-834-8300 to make payment arrangements.

If you feel you are unable to pay for all or part of the healthcare you receive from Anna Jaques Hospital, we encourage you to apply for Financial Aid through the Commonwealth of Massachusetts (please refer to the income guidelines chart). Contact MassHealth at 800-408-1253 for more information on Financial Assistance. You may also contact our Financial Counseling Office at 978-463-1123 or 978-463-1134. They can assist you in filing for Financial Aid through the Commonwealth with one of the many plans available depending on your income level. Please keep in mind should you qualify for the Health Safety Net Program (formally known as Free Care) this plan will NOT COVER co-payments, ambulance charges or Home Care fees.

Greater Newburyport Emergency Physicians Bill

If you were seen at Anna Jaques' Emergency Department, you may also receive a bill from an emergency room physician. Payments or questions about this bill should be made to:

Greater Newburyport Emergency Physicians
LOGIXHealth 8 Oak Park Drive,
Bedford, MA 01730
Attn:: Client Services 

Phone: (877) 438-0745 / (781) 937-4500 Fax: (781) 937-4508 or visit http://www.emergencybills.com

Hospital Chargemaster


 A hospital chargemaster is a comprehensive list of all the billable services and items provided by a hospital. The chargemaster captures the costs of each procedure, service, supply, prescription drug, and diagnostic test provided at the hospital, as well as any fees associated with services, such as equipment fees and room charges. Because hospitals operate 24 hours a day, seven days a week, a chargemaster can contain thousands of services and related charges.

 Chargemaster amounts are almost never billed to a patient or received as payment by a hospital. The chargemaster amounts are billed to an insurance company, Medicare, or MassHealth. These payers then apply their reimbursement terms or contracted rates to the services that are billed. If a patient co-payment, co-insurance, or deductible is owed, these too are most often not based on chargemaster amounts but rather the payment terms determined by the insurer or government program.

 In situations where a patient does not have insurance, patients may be eligible for free or reduced cost of health care services through various state public assistance programs as well as the hospital financial assistance programs (including but not limited to MassHealth, the premium assistance payment program operated by the Health Connector, the Children’s Medical Security Program, the Health Safety Net, and Medical Hardship). Such programs are intended to assist low-income patients taking into account each individual’s ability to contribute to the cost of his or her care. For those individuals that are uninsured or underinsured, the hospital will, when requested, help them with applying for either coverage through public assistance programs or hospital financial assistance programs that may cover all or some of their unpaid hospital bills. You can find more information on our financial assistance policies or speak to a financial coordinator at 978-463-1134 or 978-463-1123.


The hospital’s chargemaster may not include charges for services provided by the doctors who treat you while you are at the hospital. You may receive separate bills from the hospital and the doctors involved in your care.

The following provides a list of providers who may send a separate bill for any services provided in the hospital:

  • Your personal doctor, if he/she sees you in the hospital; 
  • The surgeon who performs your procedure; 
  • The anesthesiologist who works with the surgeon; 
  • The radiologist who reads your x-rays or other imaging; 
  • and/or Other doctors who may be consulted by your doctor during your time in the hospital.   


The list of charges is the same for all patients. However, the total charges for an individual patient often vary from one patient to another for a number of reasons, including but not limited to:

  • How long it takes to perform the service or how long it takes you to recover in the hospital;
  • Whether the service or procedure you receive is more or less difficult than expected;
  • What kinds of medication you require;
  • Whether you experience complications and need additional treatment; and/or
  • Other health conditions you may have that may affect your care.

As mentioned above, chargemaster amounts are almost never billed to a patient or received as payment by a hospital.


If you would like more information about what your care might cost you or the hospitals’ financial assistance policy, please contact a financial coordinator at 978-463-1134 or 978-463-1123.

We will be expanding our available resources as outlined. If you need additional information, we will be expanding our available resources as outlined in the hospital price transparency rule. Please check back soon.

Your health plan can also help you to understand your insurance coverage, which charges will be covered, how much you will be billed, information on deductibles and your expected out-of-pocket responsibility.


Through the Center for Health Information Analysis (CHIA), the state has created a website, CompareCare (https://www.masscomparecare.gov/about), for consumers to compare costs of medical procedures across the Commonwealth. CompareCare also includes quality metrics where available. Regarding the cost quotes, the CHIA website provides an estimate based on amounts paid to health care providers in previous years. To find out what your specific out of pocket costs will be, contact your health plan. 


Click here to access the Hospital’s Chargemaster  and Average Charge by Medicare Diagnostic Related Group (DRG) billed during the preceding fiscal year. 

Please note the supply and/or drug charges in the file represent the average charge billed during the preceding fiscal year.

Financial Assistance

If you have a financial obligation to Anna Jaques Hospital, and believe you cannot afford to pay, we can assist you with the application for medical insurance through the State. 

You are responsible for payment of hospital charges or amounts not paid by your insurance. If your total family income is within poverty guidelines established by the U.S. Department of Health and Human Services, or income and resource standards established by the Massachusetts Department of Medical Security, you can complete an application for insurance. The State will make the determination as to what coverage you qualify for based on your documented information.

The above figures are subject to change by the U.S. Government. The Commonwealth of Massachusetts makes the final determination as to whether a patient qualifies for MassHealth, Connector Care or the Health Safety Net (HSN). The State will not make a determination until all required forms and documents are submitted.

The Health Safety Net is provided only to residents of the Commonwealth of Massachusetts and does not cover routine or physician services. Download the AJH Credit And Collections Policy 2020

Helpful Resources

Other financial assistance is available through Commonwealth. Please feel free to contact our Financial Counseling Offices at 978-463-1123 or 978-463-1134 to assist with the completion of your application through the Commonwealth of Massachusetts online web portal. It is imperative that applications are submitted in a timely manner to cover recent hospital services.

For financial assistance programs, call 978-463-1134 or 978-463-1123 between the hours of 8:30am-3:30pm.

2017 Federal Poverty Guidelines

Billing FAQs

What if I cannot afford to pay the balance on my hospital bill?

Under the Anna Jaques Hospital Financial Aid Policy, financial aid is available to eligible patients who are in need (as defined by hospital policy), are residents of Massachusetts, and are receiving medically necessary services. Eligibility is based upon family income and the number of family members in the household. If you think you may be eligible for financial assistance, please contact our Financial Counseling Department at 978-463-1123 or 978-463-1134.Installment payment plans are also available by contacting our Billing Office at 978-834-8300. This policy does not apply to physicians' services or other providers who bill independently from the hospital.

I gave my insurance information at the Hospital. Why am I receiving this statement?

In some cases, we may not have been able to process information that you have furnished prior to the mailing of a statement. We apologize if your account has not been updated with the relevant information prior to the statement being mailed and ask that you contact us with the information at 978-834-8300.

The insurance or personal information shown on my statement is incorrect. How do I change it? 

Click on "Contact Us" and then click on the email address billing@ajh.org and send us an email with the correct information. Your updates will be reflected in our billing system within three (3) days of receiving the information.

Where should I send my payment?

Payments should be sent to the address in the remit section of the statement. For your convenience, a return envelope has been enclosed. You may also choose to pay online. Simply log on to your on-line account and pay with Visa, Mastercard, Discover, or American Express.

Why didn't my insurance company pay in full?

Many insurance policies have a deductible, co-pay, or co-insurance amount. To confirm your responsibility under your policy, if any, please call your insurance company directly or call us at 978-834-8300.

What other bills can I expect to receive?

In addition to the hospital bill, you may receive bills from one or more of these other providers who will bill independently. They include but not limited to: emergency room physicians, pathologist, radiologist, and anesthesiologists.

When I pay online, is my payment information secure?

Yes. Please review our Privacy Policy for more information on our commitment to respecting and protecting your privacy.

Why do I receive a different account number every time I come in for services?

We assign an account number to each case so that if billing questions arise we can quickly identify the services. Your personal medical record number stays the same, and each of these account numbers is connected to your medical record. A different account number is assigned to help us track individual cases and each case is rolled up under one Medical Record number.

Contact Us

To Contact Billing, call 978-834-8300 or email us at billing@ajh.org. For financial assistance, please contact the Financial Counselors at 978-463-1123 or 978-463-1134.