Help Paying Your Bill: Financial Assistance and Payment Plans
We understand that the financial aspects of healthcare services can be challenging and stressful. At ECRMC, we are committed to working with all eligible patients to help them receive medically necessary care at El Centro Regional Medical Center.
We make financial assistance available to those with or without health insurance or coverage.
Eligibility Criteria
Depending on your household income and family size, you may qualify for
financial assistance.
Patients without insurance and who have a family income at or below 400 percent of federal poverty guidelines (FPG) generally qualify for a 100 percent discount. If you have insurance coverage and are facing high medical costs while also being below 400 percent of the FPG, you may also be eligible by meeting one of these criteria:
- Your annual out-of-pocket costs incurred at El Centro Regional Medical Center exceed the lesser of 10 percent of your current family income or family income in the prior twelve months.
- Your annual out-of-pocket expenses at El Centro Regional Medical Center and elsewhere exceed the lesser of 10 percent of your current family income or family income in the prior twelve months and a third-party payer (such as an insurance company) has paid an amount equal to or more than the maximum governmental program payment. You will have to provide documentation of all medical expenses incurred with other healthcare providers.
| Family Size | Charity Assistance Income Level for 2025 (400% of FPG) |
|---|---|
| 1 | $62,600 |
| 2 | $84,600 |
| 3 | $106,600 |
| 4 | $128,600 |
| 5 | $150,600 |
| 6 | $172,600 |
| 7 | $194,600 |
| 8 | $216,600 |
| More than 8 | Add $22,000 for each additional person (400% of $5,500) |
How to Apply
Fill out the financial assistance application, including any required documents
(such as tax returns, earning statements, current government benefits).
To receive an application, call 855-827-3633 or use these links:
Financial Assistance Application - English
Financial Assistance Application - Spanish
Complete all required documents, including:
Copy of individual tax return (1040) for current tax year
Copy of two most recent pay stubs
Return applications and documents to:
ECRMC Patient Accounting
Address: 1271 Ross Ave. El Centro CA 92243
You may also fax your application and documents to 760-352-7612 or email them to patientfinassist@ecrmc.org.
For questions about financial assistance please call 760-339-7277, Monday – Friday, 8:00 am – 5:00 pm.
Discounts for Self-Pay Patients
Self-pay patients who do not qualify for financial assistance will automatically
receive a discount equal to 45 percent of the estimated gross charges
for many qualifying services.
Payment Plans
For patients with high-cost medical plans who do not qualify for financial
assistance, we can offer reasonable payment plans. For more information,
call 760-339-7277.
Hospital Bill Complaint Program
The Hospital Bill Complaint Program is a state program that 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 Hospital Bill Complaint Program. Go to Hospital Bill
Complaint Program for more information and to file a complaint https://hcai.ca.gov/.
Financial Assistance Documents
Financial Assistance Policy (PDF)
Plain Language Summary (Spanish) (PDF)
Financial Assistance Application - English (Spanish) (PDF)
Uninsured Patient Discount Policy (PDF)
Debt Collection Policy (PDF)
Where to Get Help
For more information about financial assistance and payment plans, please
call 760-339-7277 or email us at patientfinassist@ecrmc.org. You may also
visit us in person:
ECRMC Patient Accounting
Address: 1271 Ross Ave. El Centro CA 92243
Hours: Monday – Friday, 8:00 am – 5:00 pm