St. Johns Regional Medical Center

Nonprofit acute care hospital in Oxnard, CA.

Verified from the hospital's own policy

St. Johns Regional Medical Center likely gives free care to households with a yearly income up to $39,900 for 1 person, $54,100 for 2, $68,300 for 3, $82,500 for 4, $96,700 for 5 or $110,900 for 6. It likely gives a discount to households with a yearly income up to $79,800 for 1 person, $108,200 for 2, $136,600 for 3, $165,000 for 4, $193,400 for 5 or $221,800 for 6.

The hospital makes the final decision.

Discount steps

• 0% to 250% of poverty level, you pay $0 (100% discount)
• 251% to 400% of poverty level, you pay No more than Medicare or Medi-Cal would pay, whichever is greater, and no more than AGB (uninsured patients and patients with high medical costs)
• 401% to 500% of poverty level, you pay No more than AGB (uninsured patients only)

How to apply

1. Call (805) 988-7109 and ask for financial assistance.
2. Application form
3. CommonSpirit Health Financial Assistance (Governance Policy Finance G-003, effective July 1, 2026), with Addendum G-003A-1 Financial Assistance - California (effective January 1, 2026)
4. Bring income tax returns or recent pay stubs (the only income proof the hospital may ask for), a written explanation if you have no income.
5. We do not have the deadline yet. Apply as soon as you get a bill, and ask the billing office to pause collections while you apply.

Residency

None for care at a California hospital. People who live outside the U.S. need approval from the hospital's chief financial officer unless the visit is urgent or emergent.

Savings and property

The policy counts savings or property, not only income.

Very large bills

Income at or below 400% of the poverty level and yearly out-of-pocket costs at the hospital over 10% of family income (or over 10% with proof of medical expenses paid in the past 12 months). This qualifies for the discount. If what you still owe after a discount is over 30% of family income, a hardship discount can lower it to 30%.

If you have insurance

Insured patients can also apply for help with deductibles and copays. Keep your insurance. Financial assistance covers bills from this one place only.

What is covered

Covered

Emergency and medically necessary care in the hospital, including care by physicians employed by the hospital organization or a related entity.

Not covered

Emergency physicians bill separately and must give their own discounts up to 400% of the poverty level. Other physicians may not be covered; the hospital posts a list of covered and non-covered providers. Elective and cosmetic care is not covered.

State program in California

Notes

Free care at or below 250% of the poverty level, for uninsured patients and insured patients with high medical costs. Up to 400%, uninsured patients and patients with high medical costs pay no more than Medicare or Medi-Cal would pay. Uninsured patients between 401% and 500% pay no more than the amount generally billed to insured patients. If you still owe more than 30% of your family income after a discount, ask about the extra hardship discount. There is no deadline to apply. Discounted bills come with an interest-free payment plan on request. You need a balance of at least $10. The main policy says the hospital may consider monetary assets. The California addendum says the hospital may accept asset papers and cannot require them, and the application says asset proof is helpful and optional. You get an answer within 30 days. To dispute a denial, call the Customer Service Manager at 888-488-7667 or write to the Financial Assistance Center, PO Box 3008, Rancho Cordova, CA 95741-3008. The contact page in the filed policy names this hospital in its title, but one sentence says the contact information is for Mercy General Hospital, which looks like a template leftover.

Sources

• Free care level

  Charity Care (Up to 250% of the FPL)

• Discount level

  Any Uninsured Patient who has a Family Income above 400% but at or below 500% of FPL is eligible to receive Discounted Care

• Discount steps

  would in good faith expect to receive for providing services from Medicare or Medi-Cal, whichever is greater

• Insured patients

  including, without limitation, any Uninsured patient or Patient with High Medical Costs, is eligible to receive Charity Care

• Asset test

  In determining eligibility, CommonSpirit Hospital Organization may consider the ‘monetary assets’ of the patient’s Family.

• Residency

  unless the visit is urgent or emergent or occurs within a California Hospital Facility.

• Very large bills

  annual out-of-pocket costs incurred by the individual at the hospital that exceed the lesser of 10% of the patient’s current Family Income

• What is not covered

  Any emergency physician who provides emergency medical services at a CommonSpirit Hospital Organization with an emergency care facility will provide discounts to Uninsured patients

• Documents

  documentation requested from the patient shall be limited to income tax returns or recent pay stubs.

• Application deadline days none

  shall not impose time limits for applying for Charity Care or Discounted Care

• Financial counseling phone

  Call the financial counselor of the Hospital Facility at: (805) 988-7109

• Facility named in policy

  SUBJECT: Hospital Facility Financial Assistance Contact Information St. John's Regional Medical Center

Last checked. 2026-11-10