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Billing & Insurance

Insurance Coverage

Please bring your insurance card or verification of your current insurance coverage when you check in. We encourage you to contact your insurance provider for pre-authorization and/or confirmation of coverage before your arrival. View accepted plans.

Insurance Billing

Community Memorial Healthcare will often bill your insurance directly, provided you have an accepted insurance plan. Insurance companies typically pay within 45 days from the billing date. If your insurance carrier has not paid your account within that period, Community Memorial will request payment from you. If you are still waiting on your insurance to pay, you can contact them to coordinate or clear up any outstanding questions delaying payment.


This hospital is an approved Medicare provider. All services billed to Medicare follow federal guidelines and procedures. Medicare has a Coordination of Benefits (COB) clause; a provision that allow families with two wage earners covered by health benefit plans to receive up to 100 percent coverage for medical services. At the time of service, you will be asked to answer questions to help us determine the primary insurance carrier paying for your visit. This is called an MSP Questionnaire, and it is required by federal law. We need your assistance in providing accurate information so we bill the correct insurance company. Medicare deductibles and co-insurance are covered by your secondary insurance. If you do not have secondary insurance, you will be asked to pay this portion of your bill or establish a payment plan. Should you be unable to pay these amounts, we will help you determine whether you qualify for a state-funded program.

Hospital Payment Policy

For scheduled hospital procedures, you may be required to pay a deposit (your co-payment or applicable deductible) at the time of admission or registration. The deposit amount will vary depending on your type of health insurance, the extent of your coverage, and estimated length of stay. We also offer financial assistance and a variety of payment options.

Contact Community Memorial Admissions if you have questions.

Hospital Bill Charges

There are many factors in inpatient care, and a typical hospital bill can be complicated at first glance. Below are some of the charges one might expect to see.

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.

Separate Bills from Physicians

In the state of California, physicians are not employees or agents of hospitals/health systems. You should expect to receive separate bill(s) from your physician, anesthesiologist, radiologist, and/or other specialist(s) who cared for you. Please make any billing inquiries directly to them.

Understanding Cost of Care

The links below include current prices for our services and medication.

Community Memorial Hospital – Ventura

Community Memorial Hospital – Ojai

Learn your rights and protections against unexpected medical costs: No Surprises Act