We're very insurance-friendly.

Thank you for choosing Milford Hospital for your health care needs. Milford Hospital participates with a multitude of insurance providers, including most HMOs, PPOs, commercial insurers and Medicare and Medicaid.

Please contact your insurance company for verification of specific network coverage as well as individual plan requirements regarding referrals, authorizations and co-pay/deductible amounts.

Facts About Your Hospital Bill

Your hospital bill includes charges for services provided by the hospital. These include: nursing care, medications, room, meals, housekeeping and linen services. In addition it may include services ordered by your physician; such as, laboratory tests, X-rays, and medical supplies. The hospital bill does not include the professional charges for your physician. Nor does it include charges for other physicians that assisted in your care, such as radiologist, anesthesiologist, pathologist, or other consulting physicians. You will receive a separate bill from these physicians.

For questions regarding your bill,
please call Patient Accounts at 203.876.4040.

Milford Hospital Financial Assistance Information

Milford Hospital is committed to providing financial assistance to persons who have healthcare needs and are uninsured, underinsured, ineligible for a government program or otherwise unable to pay for emergency or other medically necessary care based on their individual financial situation. Milford Hospital will provide, without discrimination, care of emergency medical conditions to individuals regardless of their ability to pay, their eligibility for financial assistance or for government assistance. Milford Hospital will limit the amount it charges for emergency or other medically necessary care provided to individuals eligible for financial assistance.


The Hospital will consider all individuals who are uninsured, underinsured, ineligible for any government health care benefit program, and who are unable to pay for their care, based upon a determination of financial need, and shall not take into account age, gender, race, social or immigrant status, sexual orientation or religious affiliation.

Criteria for determining eligibility and the amount of financial assistance for which the patient is eligible will include family income, family size, family net worth and any other pertinent information.


Milford Hospital will limit amounts charged for emergency or other medically necessary care to patients qualifying for financial assistance to not more than the amounts generally billed to individuals who have insurance covering such care. The calculation of amounts generally billed to individuals is defined in the Financial Assistance Policy.

Patients whose family income is equal to or less than 250% of the Federal Poverty Guidelines (FPG) may qualify for up to a 100% discount off of their outstanding balances.

Patients whose family income is above 250% but not more than 400% of the FPG, may be eligible to receive services at amounts no greater than the amounts generally billed to individuals who have insurance for such care.

Patients whose family income exceeds 400% of the FPG may be eligible to receive discounted rates on a case-by-case basis based on extenuating circumstances. Specific circumstances may include catastrophic illness or medical indigence at the discretion of Milford Hospital.


A request for financial assistance may be made by or "on behalf" of an individual seeking services from our hospital. A request for financial assistance can be made at any time during the collection process. Milford Hospital may request updated financial information at any time and adjust the financial assistance accordingly.

Patients must complete a Financial Assistance application and return it with the required documentation to Milford Hospital, Attention: Credit Department, 300 Seaside Avenue, Milford, CT 06460.

The patient must submit the following documentation with the application:

  1. Most recent Federal Tax Return and W-2
  2. Most recent 3 payroll checks or unemployment checks
  3. Copies of pension, alimony, child support, social security or any other sources of income
  4. Copies of bank statements for the past 2 months
  5. Any other pertinent information


Applications and additional information are available by calling a Milford Hospital credit representative at 203-876-4474 Monday through Friday 8:30 am to 4:00 pm.


To print a copy of Milford Hospital's Financial Assistance Policy, please click here.

Medicaid / Medicare Education and Assistance – The CHOICES Program

What is CHOICES? CHOICES is Connecticut's program for Health Insurance assistance, Outreach, Information and referral, Counseling and Eligibility Screening. It is a cooperative program between the State of Connecticut, the Area Agencies on Aging and local organizations.

Milford Hospital can assist you in setting up an appointment with a specially trained CHOICES volunteer. The CHOICES volunteer can offer information and assistance regarding Medicare, Medicaid, Medicare Rx and Supplemental Insurance. They can also assist with determining your eligibility for and access to any additional services you may require. Please call the Milford Hospital Volunteer Office to request and appointment (203)876-4062. If you prefer, you can call the Connecticut Agency on Aging / CHOICES program directly at (800) 994-9422.