Assistance for Uninsured and Low-Income Uninsured Patients

For generations, Memorial- Hospital Los Banos and the affiliates of Sutter Health have offered generous charity care policies, and we continue to make significant strides in improving the health and well being of people in the communities we serve.

In February 2004, Sutter Health adopted a common, systemwide charity care policy. As part of this policy, uninsured patients with annual incomes below 200 percent of the Federal Poverty Income Level ($41,300 a year for a family of four – 2007 FPIG) may qualify to receive free care. Uninsured patients with annual incomes between 200 and 400 percent of the FPIG ($1,300 to $82,600 a year for a family of four – 2007 PFIG) are billed at rates well below those charged to private insurance companies. No uninsured patient, regardless of their financial status, will receive a bill for full-billed charges at a Sutter hospital.

In March 2006, Sutter Health adopted a new policy for all of the affiliated hospitals that provides for those facilities to offer automatic discounts to uninsured patients. These discounts are comparable to the negotiated discounts that the hospitals provide to private insurance companies.

Sutter Health also provides catastrophic protection to low-income uninsured patients by limiting their payment liability to 30 percent of their annual household income.

Sutter Health's Charity Care and Discount Policies at a Glance

Policy	Patient’s Annual Income Level (family of four)	Payment
Charity Care (2/04)	Below $42,400 (Less than 200% of 2008 FPIG)	Full charity care (free hospital care)
Partial Charity Care (2/04)	$42,401-$84,800 (201% to 400% of 2008 FPIG)	Partial charity care (discount equal to Medicare payment)
Discounts for non-low-income patients without health insurance (3/06)	Above $80,000	Discounts for uninsured patients are set by the hospital at an amount between the average and lowest discounts from billed charges for all commercial fee-for-service health plans.

Our Bill Collection Policy

Memorial Hospital Los Banos' standardized collection practices policy prohibits wage garnishments and bench warrants, prohibits property foreclosures and limits the cases in which liens can be filed.

Notes About These Policies

The charity care policy, the partial charity care policy, the discount policy for higher income uninsured, the catastrophic protection policy, and bill collection policy apply to all Sutter-affiliated hospitals.

In Sutter-affiliated hospitals, charity care policies are limited to hospital charges and do not include physician, anesthesiologist or professional charges that are not billed by the hospital.

For more detailed information on these policies, how to apply or to receive answers to your questions, please contact Memorial Hospital Los Banos' Business Office at (209) 826-0591, ext. 244 or 331.

If you are an uninsured patient who was treated at a Sutter-affiliated hospital dating back to September 2000, you may be eligible for a refund, depending on whether or how much you may have paid toward your hospital bill.

2007 HHS Poverty Guidelines