Help Paying Your Bill

Financial Assistance Program (FAP)

This document explains, in clear and simple language, how Bear Valley Community Healthcare District (BVCHD) can help patients who need financial assistance with their hospital bills. It follows all requirements of the California Hospital Fair Pricing Act.

Our Commitment to You

BVCHD provides quality care to everyone, including patients who may have trouble paying their hospital bills. We offer free care (charity care) and discounted payments for patients who qualify.

Who Can Get Financial Help?

You may qualify for financial assistance if:

  • You are uninsured or self-pay, or you have high medical costs.
  • Your family income is at or below 400% of the Federal Poverty Level (FPL).

What Counts as High Medical Costs?

You may qualify if your medical bills from the past 12 months are more than 10% of your family’s income.

What Is Charity Care?

Charity care means free hospital care for patients who qualify. This does not include physician bills.

What Are Discounted Payments?

Discounted payments reduce the amount you owe for hospital services. The discount depends on your income and family size.

Family Income and Household Size

Your family includes:

  • Adults: spouse, domestic partner, and dependent children under 21 (or any age if disabled).
  • Children: parent or caretaker relatives and their dependent children.

How We Notify and Help Patients

You will receive a notice called “Help Paying Your Bill” when you receive care. This notice explains:

  • How to apply for financial assistance
  • Who to contact for help
  • Your rights under California law
  • How to file a complaint if you believe you were wrongly denied assistance


This notice is:

  • Easy to read
  • Written in plain language
  • Provided in your preferred language
  • Available in large print, braille, audio, and accessible electronic formats


We also post this information in:

  • The Emergency Department
  • Billing Office
  • Admissions Office
  • Outpatient areas


You can also find it online under “Help Paying Your Bill” on our website.

Screening for Eligibility

We screen patients who are:

  • Uninsured
  • Enrolled in Medi-Cal with cost sharing
  • Enrolled in Covered California


Screening:

  • Does not count as applying for charity care
  • Does not require you to provide documents unless you choose to
  • Uses information already in your medical or billing record


You may opt out of screening at any time.

Presumptive Eligibility (Automatic Approval)

You may automatically qualify for charity care if you or a family member is enrolled in programs such as:

  • Medi-Cal
  • CalFresh
  • CalWORKS
  • WIC
  • Tribal TANF
  • LIHEAP
  • CARE utility program
  • Housing Choice Voucher program
  • If you are homeless or deceased with no estate


If you were approved for financial assistance within the last 6 months, you may qualify again.

Income-Based Financial Assistance

Charity Care (Free Care)

You receive 100% free care if:

  • Your income is 200% or less of FPL, or
  • You are homeless and your income is up to 400% of FPL

Discounted Payments (Uninsured/Self-Pay)

If your income is:

  • 201%–300% FPL: You pay the Medi-Cal Allowed Amount
  • 301%–350% FPL: You pay 75% of the Self-Pay Liability
  • Over 400% FPL: You pay the full Self-Pay Liability

High Medical Cost Patients

If your medical bills exceed 10% of your income, you may qualify for discounts even if you have insurance.

Applying for Financial Assistance

If we cannot verify eligibility through screening, we will ask you for documents such as:

  • Recent pay stubs (within 6 months)
  • Tax returns (current year or prior year)


We will help you get documents if needed.

You will receive a Financial Assistance Evaluation Application if:

  • You have no insurance and income at or below 400% FPL
  • You have insurance but high medical costs
  • You exhausted your insurance benefits


We only require pay stubs or tax returns. You may provide other documents if you choose.

There is no deadline to apply.

Eligibility Determination

You will receive an Eligibility Determination Letter explaining:

  • Whether you qualify
  • Why you were denied (if applicable)
  • Your reduced bill amount
  • How to get a payment plan
  • How to appeal
  • How to contact the Hospital Bill Complaint Program

Payment Plans

If you cannot pay your bill all at once, we offer:

  • Interest-free payment plans
  • Monthly payments that are no more than 10% of your family’s monthly income


If you are trying in good faith to make payments or negotiate a plan, we will not send your bill to collections.

If you miss payments for 90 days, we will:

  • Try to contact you
  • Send a written notice
  • Offer to renegotiate your plan

Billing Notices

If you did not provide insurance information at the time of care, you will receive a Request for Insurance Information notice. It explains:

  • How to tell us about your insurance
  • How to apply for Medi-Cal or Covered California
  • How to apply for charity care or discounted payments


Applying for Medi-Cal or other programs does not prevent you from applying for financial assistance.

Need Help?

Hospital Bill Complaint Program

This state program reviews hospital decisions about financial assistance. Visit: HospitalBillComplaintProgram.hcai.ca.gov

Health Consumer Alliance

Free help understanding your hospital bill. Call 888-804-3536 or visit healthconsumer.org

BVCHD Patient Financial Services / Billing Office

Phone: 909-878-8252
Hours: Monday–Friday, 7:30 AM–5:00 PM
Address: 41870 Garstin Dr, Big Bear Lake, CA 92315

Accessible formats (braille, large print, audio, electronic) are available at no cost.

Languages

Help is available in English and the top 15 languages spoken by Limited English Proficient individuals in California.

This patient-friendly version is designed to be easy to read, understand, and use. It follows all formatting and language requirements of the California Hospital Fair Pricing Act.

Downloads

For More Infomation

Hospital Bill Complaint Program

The Hospital Bill Complaint Program is a state program, which reviews hospital decisions about whether you qualify for help paying your hospital bill. If you believe you were wrongly denied financial assistance, you may file a complaint with the State of California’s Hospital Bill Complaint Program. Visit: HospitalBillComplaintProgram.hcai.ca.gov

You may also file a complaint with Bear Valley Community Patient Financial Services:

Phone:
909-878-8252

Address:
41870 Garstin Dr
Big Bear Lake, CA 92315