Billing & Insurance
Home / Patients & Visitors / Billing & Insurance

Billing & Insurance

Salinas Valley Memorial Healthcare System is committed to working with you and your Health Plan to meet your medical needs. We don't want you to have any billing surprises and our goal is to make this process as easy as possible.

Save time and postage by paying your bill online. For your convenience, we accept Visa, MasterCard and Discover.


SVMHS is committed to working with you and your Health Plan to assure your ability to access our hospital is met. (VA accepted with prior approval.) We will bill your insurance for you, although you will be asked to pay deductibles and estimated co-insurance prior to your hospital visit. You must bring your insurance card and all other required insurance information to the hospital with you. If you are uninsured, you will be required to pay for services prior to your hospital visit.   

We have many Health Plan relationships and are willing to reach out to any Health Plan not listed below to make arrangements for a Single Case Agreement (SCA) when possible, between your Health Plan and SVMHS.

Please reach out and call our Patient Financial Services Department for any special requests at (831) 755-0732 and we will call your Health Plan on your behalf to verify eligibility and benefits. 

These Health Plans are currently contracted with
Salinas Valley Memorial Healthcare System:

Aetna Humana Choice Care
Aspire Health Plan
(Medicare Advantage)
Health Net
Anthem Blue Cross of California Multi Plan
Beech Street Pinnacle
Blue Shield of California United Healthcare/PacifiCare
Central Coast Alliance for Health (CCAH) Pacific Health Alliance (PHA)
Cigna PPO PHCS (Private Healthcare Systems, Inc.)
Coastal TriCare
Community Health Plan (CHP) TriWest
Covered California United Healthcare PPO
First Health Western Growers
Health Smart/InterPlan

** Covered California (California's Health Insurance Exchange)
In Monterey County Two Health Plans are offered through Covered California: Anthem (Pathways) and Health Net.  SVMHS is a Contracted Hospital for both of these Health Plans.

Affordable Care Act

On March 23, 2010, President Obama signed the Affordable Care Act into law, putting into place an extensive reform in order to improve access to affordable healthcare coverage for Americans. For those who are uninsured, or for those who do not get their healthcare coverage through work, a key component of the new law took effect October 1, 2013, providing consumers a new Health Insurance Marketplace. This Marketplace will allow millions of Americans to comparison shop for a variety of coverage that will best meet their healthcare needs. For more information on the new healthcare act, visit

Covered California

The website for California's Marketplace is Here Californian's can shop and compare quality, affordable health insurance that took effect January, 2014. Through Covered California, you can also find out if you qualify for Medi-Cal, as well as help you determine if you qualify for any type of assistance programs.


The Affordable Care Act can be confusing, but we are here to help! Salinas Valley Memorial Healthcare System has partnered with MedAssist to be your community resource for in-person assistance with the reform. We will help answer your questions and guide you through the enrollment process.  Visit our MedAssist page to get started.


Have a question?

Patient Financial Services is here to help. Call us at (831) 755-0732.  
Or view our Frequently Asked Questions page for answers to some of our most common questions.  

SVMHS offers a Financial Assistance Program. Please read more about the policies in this document. Applications - English | Spanish

For enrollment questions about Covered California, please visit their website or call 1-800-300-1506.  
Covered California FAQs

Other helpful websites for information on health insurance and managed care:

California Patient's Guide
California Department of Managed Health Care

Health Insurance Glossary

EPO (Exclusive Provider Network)
A type of health insurance Plan that, like an HMO, limits health coverage to Doctors and Hospitals within a specific Network.  However EPO's also provide options to allow you as the Patient to see Specialists outside of the EPO Network.

PPO (Preferred Provider Organization)
This type of health insurance Plan covers a wide range of Hospitals, Doctors, Surgery Centers and other Providers all within a Network.  However care outside the network might require additional cost.

POS (Point of Service)
This type of health insurance Plan allows you to use Network Doctors, Hospitals and Providers within a specific network defined by the Plan.  However, a POS plan requires the patient to seek a referral from your primary care Doctor before seeing a Specialist.  At the time of any referral it is possible you may be responsible for additional co share costs.

HMO (Health Maintenance Organization)
A type of health insurance Plan that limits health coverage to very specific Doctors, Specialists, Hospitals and other Providers within a limited Network contracted under this HMO Plan.

Patient Financial Services Department
558 Suite B Abbott Street
Salinas, CA  93901

Monday through Friday
8:00am - 4:30pm


Healthy Cooking

Healthy cooking with Simply Fresh. Watch online now 

Health Tips

Sweet Potatoes - They're loaded with carotenoids, vitamin C, potassium and fiber.