The Howard Memorial Hospital Financial Assistance Policy exists to provide partially or fully discounted emergent or medically-necessary hospital care to eligible patients.  This is a summary of the Howard Memorial Hospital (HMH) Financial Assistance Policy (FAP).

Availability of Financial Assistance

Patients will be considered for full or partial charity based on their ability to pay and the Federal Poverty Guideline issued and updated annually. The FAP only applies to services billed by HMH.  Other services which are separately billed by other providers, such as physicians, are not eligible under FAP.

Eligibility Requirements

Financial assistance is determined by household income compared to the Federal Poverty Guideline (FPG).  Uninsured patients will be given an automatic discount equal to 60% applied to hospital charges. No person eligible for financial assistance under the FAP will be charged more for medically necessary care than amounts generally billed (AGB) to individuals who have insurance covering such care.  HMH determines amount generally billed (AGB) on all claims paid to HMH by Medicare and private health insurers (including payments by Medicare beneficiaries or insured individuals) over a 12-month period, divided by the applicable gross charges for those claims. If an individual has sufficient insurance coverage or assets available to pay for care, he/she may be deemed ineligible for financial assistance. 

Please refer to the full financial assistance policy for details.

Where to Obtain Information

There are numerous ways individuals may obtain information about the FAP application process or obtain copies of the FAP or FAP application form:

  • Download the information online at
  • Request the information by telephone by calling HMH’s Financial Counselor at 870-845-4400.
  • Visiting the Admissions Office located at the main entrance of Howard Memorial Hospital Monday thru Friday 6:30 a.m. to 5:30 p.m.
Availability of Translations

The FAP, FAP application form, and this Plain Language Summary will be prepared in English and Spanish.

Download the Application