Insurance and Billing

At Natividad, we are committed to providing compassionate, high-quality care to everyone, regardless of ability to pay. If you do not have insurance, cannot afford to pay for treatment or are underinsured, programs are available if you need help paying your bill.

Click Here For Help Paying Your Bill

If You Have Health Insurance

When you arrive at registration, please bring the following with you:

  • Health Insurance Card
  • Photo ID

Important Information

  • We bill your medical insurance company directly
  • You will be billed for any part of your hospital fees not covered by your insurance company
  • You will be asked to pay a portion of your deductible, co-pay,
    or co-insurance before, or during, your admission stay
  • For clinic, pharmacy, laboratory, and radiology services, deductible, co-pays, or co-insurance will be collected at the time of service
  • Payments may be made with cash, personal check, or accepted major
    credit cards
  • You may receive multiple statements. Please organize your statements by account number to assist you in identifying charges, payments and adjustments
  • We expect to receive payment from your private insurance within 45 days. Should your insurance carrier not respond in 45 days, you will receive a statement requesting payment
  • You will receive separate bills if you had services from a radiologist, Emergency Department physician, ambulance company, or other physicians who bill separately


Call Hospital Billing (831) 755-4242 or (831) 755-4252
Monday through Friday from 8:00 am to 4:30 pm.

  • Monday through Friday
  • 8:00 am to 4:30 pm

Help Paying Your Bill


If you do not have insurance, cannot afford to pay for treatment or are underinsured, programs are available to help pay a reduced portion of your bill. You may be eligible for hospital financial assistance, including Self Pay Discount, Charity Care, or High Medical Cost programs.

There are various Medi-Cal (California Medicaid) programs available for children and adults with limited income and resources, regardless of immigration status. Medi-Cal may cover all or a portion of your bill.

Services & Assistance Programs

Covered California and Medi-Cal (California Medicaid)

Covered California is a part of the state of California where you can get health insurance to protect yourself and your loved ones. You may be able to get financial assistance through Covered California to make your health coverage more affordable. Having insurance can ensure your access to medical care if you get sick or are injured, so you can keep your body healthy. Having insurance also protects your peace of mind, because you can rest assured that you will have help when you need it most.
To learn more, visit or call the Covered California hotline at 1-800-300-1506.Natividad can help you in filling out the appropriate forms for you and your family members. Natividad also participates in the Hospital Presumptive Eligibility Program; ask a representative for more details or read more below.

Medi-Cal provides free or low-cost health care to people who qualify. Your eligibility is based on income and the number of people in your household. You may have any immigration status to qualify, and benefits do not affect your immigration status.

If your income brackets exceed Medi-Cal eligibility, you may qualify for health insurance premium assistance.

If you don’t have Medi-Cal and want to apply, submit a Medi-Cal application to the Monterey County Department of Social Services offices or contact our financial counseling staff for help. Visit or call 877-410-8823 for more information.

Read More About Accessing Health Care Coverage, Clinics and Services in Monterey County.

Hospital Presumptive Eligibility (HPE) is a hospital-issued Medi-Cal program that focuses on providing immediate access to needed health care services while putting people on a path to ongoing coverage. HPE will provide temporary, no-cost Medi-Cal benefits for up to two months and is temporarily available once every twelve months.

Medi-Cal Access Program for Pregnant Women (MCAP) provides middle-income pregnant women with low-cost comprehensive coverage with no co-payments or deductibles for its covered services.

Presumptive Eligibility (PE) for Pregnant Women is a Medi-Cal program that provides immediate coverage for low-income pregnant women for two months while they apply for Medi-Cal.

Self Pay, Charity Care and High Medical Cost Programs

Natividad offers various self-pay discount, charity care and high medical cost programs. Under these programs, patients pay a reduced portion of Natividad bills.Patients may be eligible for Charity Care if the patient’s income meets the eligibility standards set by the poverty guidelines. Billed charges are written off to charity care; granted in appropriate cases.

Our Self Pay Discount program offers a discount off billed charges, granted after the application process has been completed and approved. Patients do not have third-party coverage, Medi-Cal, or third-party liability coverage.

Our High Medical Cost program offers a discount on accounts after the application process has been completed and approved. Total (Natividad and non-Natividad) medical expenses exceed 10% of family annual income.

Breast and Cervical Cancer Treatment Program (BCCTP)

Breast and Cervical Cancer Treatment Program (BCCTP) is offered to individuals who have been diagnosed with breast and/or cervical cancer. The program includes treatment and follow-up care services.


Medicare is a federal health insurance program for people who are age 65 or older, certain younger people with disabilities and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Visit or call (800) 633-4227.

How to Apply
We have dedicated financial counseling staff who help our patients apply for our internal programs as well as Medi-Cal, Covered California, and cancer programs. Patients are encouraged to contact the Financial Counseling office (831) 755-4165 to apply for assistance, Monday through Friday from 8:00 am to 4:30 pm.

Financial Assistance Policy
Financial Assistance Application
Guide to Accessing Health Care Coverage, Clinics and Services in Monterey County

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. Go to for more information and to file a complaint.

More Help

There are free consumer advocacy organizations that will help you understand the billing and payment process. You may call the health Consumer Alliance at 888-804-3536 or go to for more information.

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing. In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible.

See our printable PDF for disclosures

Price Transparency

Please click on the link below to review Natividad’s Standard Charges.

Natividad Speaks Your Language

All financial information is available in English and Spanish, and interpreters for other languages are available to explain your rights and programs.

ATTENTION: If you need help in your language, call (831) 796-1612 or visit Human Resources. The office is open 7:30 am to 5:00 pm Monday – Friday and located near the Main Lobby. Aids and services for people with disabilities, like documents in braille, large print, audio, and other accessible electronic formats are also available. These services are free.

View this notice in 18 languages

Visit our Spanish Website