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Billing & Insurance

Do you have questions about your hospital bill and insurance? Below are answers to some common questions.

Please note: Community Hospital does not accept assignments of health benefits as payment in full of its billed charges. Community Hospital reserves the right to bill patients for those billed charges that are not paid by the patient’s health plan, in accordance with applicable law.

How can I pay my bill?

  • By mail: Send your check, money order, or credit card information to Community Hospital of the Monterey Peninsula, P.O. Box 39000, Dept 34028, San Francisco CA 94139-0001.
  • By phone: Pay with your credit card by calling the phone number on your statement
  • Online: Pay your bill online
  • In-person: Visit our Patient Business Services office at 40 Ryan Court, Suite 100 in Monterey or most other hospital locations. We accept all major credit cards, cash, check, or money order. Make check or money order payable to Community Hospital of the Monterey Peninsula.
  • Short-term payment plans: Call us to learn about a wide range of payment plans available to suit your needs.

Please include your visit/account number on all payments and correspondence.

Do I need to pay a co-payment when I register for my hospital visit?

Yes, you may be asked to pay your co-payment, deductible, or estimated patient portion.

Does Community Hospital bill my insurance for services?

Yes, we bill all insurance companies for which you provide us information. View a list of insurance plans we accept.

Do I need pre-certification for hospital services?

Most insurance plans require you to obtain pre-certification/authorization; however, it is up to you to find out whether your insurance or HMO/PPO requires pre-certification/authorization for any care provided at the hospital. If pre-certification/authorization is required and you or your doctors do not take steps to ensure that this authorization is obtained, reduced benefits or the denial of your entire claim by your insurance company are possible.

If you are scheduled for a test or procedure and do not have insurance, you may be asked to pay all or a portion of the expected charges prior to the procedure, with the balance of the charges due within 30 days after the procedure. Emergency care is always provided regardless of ability to pay.

What if my insurance doesn't cover the entire cost of my care?

Community Hospital can assist you in numerous ways, including developing a monthly repayment plan or helping determine whether you qualify for government assistance. We also offer Sponsored Care, a program that provides financial assistance to those who qualify. For assistance before you receive care please call Patient Access, (831) 625-4910 or while you are in the hospital, extension 4910; for assistance after you have received care or been discharged, please call Patient Business Services at (831) 625-4922.

When you make payment arrangements you will receive information periodically about the status of your account, including the amount currently due. Insurance companies will send an explanation of benefits (EOB), which will tell you the amount paid on a claim or a reason why all or part of the claim was not paid.

Community Hospital does not accept assignments of health benefits as payment in full of its billed charges. Community Hospital reserves the right to bill patients for those billed charges that are not paid by the patients' health plan, in accordance with applicable law.

If I don't have insurance, can I still receive hospital services?

Community Hospital is committed to caring for all who come through our doors, regardless of ability to pay, to the fullest extent allowed by law and available resources.

How will I know if my insurance company has paid my bill?

Your insurance will send you an explanation of medical benefits (EOMB or EOB), explaining how the claim was processed. Once your insurance has paid its portion, we will send you a bill for any remaining amount due.

Does Community Hospital accept Medicare?

Yes, Community Hospital is a participating Medicare provider. If you are covered by Medicare, we will bill Medicare. You will be billed for any non-covered services or items that are your responsibility.

What if I have more than one insurance plan?

If you have coverage by more than one insurance company, we will bill the second insurance after the first one has paid.

When will I receive my bill?

You should receive an initial bill approximately 10 days after your discharge. Patient Business Services will bill the insurance on your account at the time you are sent this initial bill.

When do I become responsible for my bill?

You are legally responsible for your bill at the time you receive services from the hospital, but of course, we will bill your insurance before sending you a bill. After your insurance has paid its portion, you will get a bill for the balance, and that amount is due within 30 days.

I was never at the hospital. Why am I getting a hospital bill?

You may have received services at one of our offsite facilities or your doctor may have sent a specimen to our lab for processing.

Why have I received multiple bills?

Your bill from Community Hospital is only for the services you received plus fees for our hospital-based doctors (these include radiologists, radiation oncologists, Emergency department doctors, Monterey Bay Observation Medicine doctors, pathologists, and behavioral health doctors). All other doctors or providers who treated you at our facilities, such as surgeons, private doctors, outside reference labs, etc., send a separate bill.

What other services might not be covered by my insurance?

Hospital services not routinely covered by insurance include:

What if there is a mistake on my bill?

We try to be accurate in all our billing, but if an error has been made, please call us right away. If leaving a message, please include your account/visit number.

Does Community Hospital bill for Medicare Part D - Self-Administered Drugs?

No, Community Hospital is not a Medicare Part D provider so we cannot bill Medicare Part D; you must do that yourself. We will mail you an itemized statement detailing the self-administered medications you received so you can send that bill to your Medicare Part D carrier.

How can I get an itemized statement for my visit?

You may call (831) 625-4922 to request an itemized statement at any time during business hours.

Paying your bill


Pay your bill online

BY PHONE at any time:

(831) 625-4922 or (888) 625-4922
You can speak to a customer service representative during 7 a.m. – 5 p.m., Monday-Friday.
You can also leave a message after business hours.

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