Financial Assistance for Insured Patients

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At Memorial Medical Center (MMC) we believe that everyone deserves access to high quality healthcare — regardless of their ability to pay. Even if you have health insurance, you may still qualify for programs that reduce your out-of-pocket costs. Our team is here to help you understand your options and access available support.

We provide guidance in line with state and federal requirements, including the Patient Debt Collection Practices Act, the Healthcare Funding Act, and the Indigent Hospital and County Health Care Act. MMC also fulfills its legal responsibility to assist patients who meet the state’s definition of indigency.

Understanding Your Out-of-Pocket Costs

For insured patients, your deductible, copayment, and/or coinsurance (if applicable) are due at the time of service. If you are scheduled for a non-emergency procedure or surgery, we may contact you before your appointment to provide a cost estimate and to collect any applicable deductible, copayment, or coinsurance that is required by your insurance plan. To understand your particular benefits, please contact your insurance company and consult your plan benefits.

For additional insurance and coverage questions, please visit our Frequently Asked Questions here.

Need Help? Contact Us

Our team is here to guide you through the financial assistance process.

Call: 575.288.4020
Email: Request Assistance
Start Your Financial Assistance Application: English version | Versión en español

Submit your application by email (coverage@lpnt.net), in person at the hospital or by mail to:

Memorial Medical Center
Attention: Admissions Department
2450 S. Telshor Blvd
Las Cruces, NM 88011

How We Support Insured Patients

Our team of patient access representatives and healthcare coverage advisors are here to help insured patients better understand their benefits, reduce out-of-pocket costs, and access available financial assistance.

These services include:

1. Eligibility Screening

We help you determine whether you qualify for financial assistance based on your insurance benefits and financial situation.

Our team will:

  • Review your current insurance plan and out-of-pocket responsibilities
  • Use a standardized tool to identify potential eligibility for additional coverage options, discounts or payment plans
  • Verify required documents such as proof of income, household size, or coverage details
  • Connect you with financial counselors for additional support if needed

2. Application Assistance

If you qualify for assistance, we help you navigate the application process.

This includes:

  • Step-by-step guidance on completing forms
  • Help gathering required documentation
  • Clarifying in-network coverage options and payment options for out-of-network services
  • Reviewing applications for accuracy
  • Submitting applications to the appropriate programs or agencies

3. Information and Resources

We provide clear information to help insured patients make informed decisions about their healthcare costs.

You’ll receive:

  • Details on hospital financial assistance programs
  • Easy-to-understand explanations of program requirements and benefits
  • Information about community organizations and nonprofits that offer additional support

4. Follow-Up and Ongoing Support

Our support continues after your application is submitted.

We will:

  • Track application status and keep you updated
  • Help resolve any issues or documentation needs
  • Assist with appeals or reapplications if your initial request is denied

Additional Resources