Financial Assistance

Taking Care of All Who Need ItTwo women looking at medical bills.

Enloe Medical Center provides quality care regardless of patients’ ability to pay. We offer a Community Service Program and Discount Policy to help people who have little to no insurance coverage. Enloe’s financial assistance is based on family income and medical needs.

Financial Counselors

Financial counselors are available to help you. Call Patient Financial Services at 530-332-6300. Counselors may be able to help you get health insurance or financial assistance. They will also work with you to arrange a manageable payment plan.

Physician Charges

The Community Service Program and Discount Policy now also includes Emergency, Cardiology, and Specialty Physician charges billed by Enloe. Uninsured patients will receive discounts on these physician services if they meet income criteria.

Download the latest list of qualifying physicians (updated annually, rev. 2022).

Assistance Information

Discount Policy

Exterior photo of Patient Financial ServicesEnloe offers a discount to patients whose insurance doesn’t help cover the cost of care. Our policy applies to families whose income is at or below 350% of the Federal Poverty Level. If you meet the criteria, your payment may be based on the Medicare fee schedule. Discounts may also apply to people with high deductibles or medically necessary treatment not covered by insurance.

Community Service Program

If you’re uninsured and your family income is at or below 450% of the Federal Poverty Level, you may qualify for Community Service. View the current Poverty Level Guidelines.

View Enloe’s Community Service and Discount Policy.

If you are applying for community service you must also agree to apply for other financial assistance that might be available to you, such as Covered California and state and local Medi-Cal programs. Generally, the following guidelines apply:

  • Families with income less than 138% of the Federal Poverty Level may be eligible for free care.
  • Families with incomes between 139% and 250% of the Federal Poverty Level are eligible for free care after a $100 per visit co-pay.
  • Families with incomes between 251% and 350% of the Federal Poverty Level are eligible for Medicare pricing.
  • Families with incomes between 351% and 400% of the Federal Poverty Level are eligible for Medicare pricing on charges that exceed $10,000.
  • Families with incomes between 401% and 450% of the Federal Poverty Level are eligible for Medicare pricing on charges that exceed $15,000.

FAQs

What if I exceed the income levels but cannot pay my portion of the bill?

Enloe realizes that some families suffer catastrophic accidents or illnesses. If you are insured and need help paying your bill, please call a patient financial counselor. Caregivers can help arrange payments that fit your budget.

Will you help me find health insurance for my future needs?

Yes. Having health insurance protects families from large medical bills. As part of the Community Service process, we will work with you to determine if you are eligible for government-sponsored health plans.

Does it cost anything to participate in the Community Service program?

There is no charge to apply for the program. Many eligible patients will be asked to pay a co-pay of $100 per visit. Other patients may be asked to pay a reduced bill based on their income.

How do I apply for the Community Service program or Discount program?

To apply, complete the Community Service Application Form. You will be asked to provide documentation of your family’s income. This may include tax returns, pay stubs or other forms of income history. Complete the application and provide any required documents as soon as possible to prevent any delays.Lobby of Patient Financial Assistance

You can obtain the Community Service Application Form in any of these ways:

When and how will I be notified if I am eligible?

We will mail you a Community Service notification form. This will let you know if you are eligible for full or partial financial assistance. The form may say that we need more information from you to complete the process. If it does, please respond as soon as possible.

How long does it take to determine eligibility?

In most cases, you will receive the notification form within one month of submitting your application.

How long does the eligibility last?

If you are eligible for our Community Service program, you are eligible for six months. However, you may apply for multiple medical visits in multiple months on one application.

What if I disagree with the eligibility decision?

If you disagree with the determination made by our staff, you have a right to appeal in writing to:

Attention: Vice President and Chief Financial Officer
Enloe Medical Center
1531 Esplanade,
Chico, CA 95926

What if I can’t pay my bill and don’t apply for the Community Service and Discount program?

If you do not apply for Community Service, you may receive an uninsured discount.

Uninsured Discount

If your bill is larger than $300 and you either didn’t apply or don’t qualify for Community Service, you may still get a discount. You have access to a 55% uninsured discount as long as your account is in good standing and has not been referred to collections.

We hope you take advantage of this discount. An unpaid bill could affect your credit status. After making every effort to work with patients, unpaid bills are sent to an outside agency for collection. You can avoid damage to your credit by paying the discounted rate or applying for the Community Service program.

For more information, please contact Patient Financial Services. We treat your questions with courtesy, confidentiality and respect.

Other Important Information

Payment arrangements may be approved at the discretion of Enloe Medical Center. Your payment plan may be interest-free for the first six months. There will be interest charges applied to payment plans longer than six months.

Contact Us

If you would like further information, please:

  • Send an electronic message via MyChart.
  • Email us at billing.helpline@enloe.org.
  • Call 530-332-6300, Monday through Friday, 8 a.m. to 5 p.m.
  • Come into the Patient Financial Services office.

We will treat your questions with courtesy, confidentiality and respect.

Contact Us

Patient Financial Services

Contact your insurance company to learn how your plan may cover a particular treatment.