Community Memorial Health System, Where Excellence Begins With Caring
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Community Memorial Hospital

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Patient Information - Financial Services

Please bring your insurance card or verification of your current insurance coverage when you register for services. Most insurance companies now require patients to obtain pre-authorization for elective procedures.


Payment Policy

You may be required to pay a deposit at the time of admission or registration. The deposit amount will vary depending on your type of health insurance, the extent of coverage, and estimated length of stay in the hospital or the type of outpatient service. Patients with complete health insurance coverage, as verified by the hospital, will be required to pay their co-payment/deductible or deposit. For specific details about your deposit, please call our Admissions Department at 805/652-5082 or 805/667-2845.


Medicare Patients or Patients with Other Insurance Coverage

Community Memorial Hospital will bill your insurance company directly, provided you have an acceptable insurance plan and you assign the benefits to Community Memorial Hospital. We allow the insurance company 45 days from the billing date in which to pay their portion of the claim. If the insurance carrier has not paid your account within 45 days, the hospital will request payment from you.


Financial Assistance Policy – Plain Language Summary

SUMMARY OF FINANCIAL ASSISTANCE PROGRAMS AT COMMUNITY MEMORIAL HEALTH SYSTEM

Community Memorial Hospital and Ojai Valley Memorial Health System offers charity care and financial assistance to persons who have healthcare needs and are uninsured, underinsured, ineligible for government programs or otherwise unable to pay for medically necessary care based on their individual financial situation. Financial assistance may consist of full write-off of charges, partial write-off of charges, or offering the patient other payment options.

To be eligible, patients must be a resident of Community Memorial Health System’s defined service area. This area includes the areas surrounding Camarillo, Ojai, Ventura, Santa Paula and Fillmore.

Payment source and patient’s ability to pay will be evaluated upon admission by the CMHS Financial Advocate. Patient Financial Services staff or a designee of Community Memorial Health System will assist patients with reimbursement from local, state, and federal programs when there is no other source of payment. In the event that no third party payment source is available, patients/guarantors will be provided with information on the Financial Assistance Program.

Application for Financial Assistance may be completed anytime throughout the revenue cycle process, when a true self-pay is balance due and it is acknowledged (or the patient/applicant has expressed) that there is financial difficulty. The application process includes completing the financial assistance application and providing verification of documents. After the completed application has been received a letter of acceptance or non-acceptance for the program will be sent to the patient or guarantor within 15 days from the date of receipt. Verification may include, but not be limited to, the applicant’s most current federal tax return and 3 months current pay stubs. The applicant’s net worth and/or assets (means testing) may be also used as a determining factor regarding financial assistance approval. Self-employed patients are required to submit a Profit and Loss statement to verify income. Patients/Guarantors who experience sudden and prolonged loss of income may qualify for the Financial Assistance Program based upon 3 months of recent (including current) pay stubs and/or documentation from sources such as Social Services, etc. confirming the claim of Loss of Income. CMHS may request that the patient apply for government assistance through the Medi-Cal program.

Financial Assistance debt reduction write-offs will be based on a sliding fee schedule utilizing the current United States Federal Poverty Guidelines, income, assets, family size, medical needs and catastrophic costs. Financial assistance ranges between Medicare Rates and 100% and is available to all patients regardless of whether or not they have health insurance.

Financial Assistance program excludes Cosmetic procedures and will be reviewed for Medical necessity. Maternity patients are excluded from this policy as Medi-cal will assist with those cases. Eligibility is contingent upon patient cooperation with the application process. No patient eligible for financial assistance will be charged more for emergency or medically necessary care than Amounts Generally Billed.

A free copy of the application and instructions are located on our website:

DOWNLOAD APPLICATION AND INSTRUCTIONS

You can also apply in person at 5855 Olivas Park Dr. Ventura, CA 93003, or call our customer service department at 805/652-5632 for questions or to have a free copy mailed to you.


Self-Pay Patients

Community Memorial Hospital has a discount policy for patients who don’t have insurance coverage. The estimated charges will be due “in full” prior to or at the time services are rendered. An itemized statement of charges will be mailed about 10 days after the service date. Any unpaid balance is due within 15 days from receipt of your statement and delinquent after 30 days unless prior financial arrangements have been made.

The Admitting Department has financial counseling available to assist you with your financial obligations. For information, please call the Admitting Department Monday through Friday, 8:00 a.m. to 4:30 p.m. at 805/652-5082 or 805/667-2845.

DOWNLOAD CHARITY APPLICATION


Your Bill Will Include the Following Charges

Room Charge – This includes your room, nursing care, regular meals, linen and laundry, housekeeping and maintenance and business management services.

Individual Service/Procedure Charge – These include the operating and recovery rooms, gourmet meals, laboratory, procedures, physical therapy, medications, treatments, supplies, and anesthesia services.


Delayed Charges

Occasionally, a charge is not processed in time to be posted on your original statement. You will be sent a statement for this charge reflecting the date the charge was received, rather than the date the service was provided.

The Admitting Department has financial counseling available to assist you with your financial obligations. For information, please call the Admitting Department Monday through Friday, 8:00 a.m. to 4:30 p.m. at 805/652-5082 or 805/667-2845.


Bills from Physicians

Physicians are not employees or agents of CMH or CMHS.

You will receive a separate bill from your physician, anesthesiologist, radiologist, or other specialists who cared for you. Please make any billing inquiries directly to them.

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