# Loma Linda University Children's Hospital

Hospital in Loma Linda, CA. Verified from the hospital's own policy.

Loma Linda University Children's Hospital likely gives free care to households with a yearly income up to $31,920 for 1 person, $43,280 for 2, $54,640 for 3, $66,000 for 4, $77,360 for 5 or $88,720 for 6. It likely gives a discount to households with a yearly income up to $63,840 for 1 person, $86,560 for 2, $109,280 for 3, $132,000 for 4, $154,720 for 5 or $177,440 for 6.

The hospital makes the final decision.

| Household size | Free care if yearly income is up to | Discount if yearly income is up to |
|---|---|---|
| 1 | $31,920 | $63,840 |
| 2 | $43,280 | $86,560 |
| 3 | $54,640 | $109,280 |
| 4 | $66,000 | $132,000 |
| 5 | $77,360 | $154,720 |
| 6 | $88,720 | $177,440 |

Dollar amounts use the 2026 federal poverty guidelines.

## Discount steps

- 0% to 200% of poverty level, patient pays $0 (full Charity Care); insured patients owe nothing after insurance
- 201% to 250% of poverty level, patient pays Uninsured: 25% of what Medicare would pay. Insured: gap between insurance payment and the Medicare amount
- 251% to 300% of poverty level, patient pays Uninsured: 50% of what Medicare would pay. Insured: gap between insurance payment and the Medicare amount
- 301% to 350% of poverty level, patient pays Uninsured: 75% of what Medicare would pay. Insured: gap between insurance payment and the Medicare amount
- 351% to 400% of poverty level, patient pays Uninsured: 85% of what Medicare would pay. Insured: gap between insurance payment and the Medicare amount
- 401% to null% of poverty level, patient pays Uninsured: 100% of what Medicare would pay. Insured: gap between insurance payment and the Medicare amount plus 20%

## How to apply

- Call (909) 651-4177 and ask for financial assistance.
- [Application form](https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=2357fdc6-2b3f-4e7f-81df-62a17ffd67a3)
- [Financial Assistance (Loma Linda University Health operating policy CH-C-22, effective 07/2025)](https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e)
- 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.
- Bring most recent federal income tax return (Form 1040) with all schedules, or two most recent pay stubs, or a letter explaining how you support yourself if you have no income.
- Savings and property. The policy looks at income only, not savings or property.
- Very large bills. Uninsured patients above 400% of the poverty level with a catastrophic medical event, generally a bill over $200,000, reviewed case by case
- Languages. English, Spanish

## 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. Medically necessary hospital inpatient, outpatient, recurring, and emergency services.

Not covered. Doctor bills are not covered. Emergency doctors are not hospital employees and have their own discount policy. Medi-Cal share of cost is never waived.

## State program in California

### Hospital Fair Pricing Act (Health and Safety Code 127400 et seq.)

Every licensed general acute care, acute psychiatric, and special hospital in California must have a charity care policy and a discount payment policy. A patient can ask for help if they are uninsured (self-pay) or have high medical costs, and their family income is not more than 400% of the federal poverty level. Hospitals may choose to help people with higher incomes. With a discount, the bill is capped at about what Medicare or Medi-Cal would pay, whichever is greater. You can apply at any time, even after a bill goes to collections. Immigration status does not affect eligibility.

Income levels in the program are discount up to 400% of poverty level.

Applies to each licensed general acute care hospital, acute psychiatric hospital, and special hospital in California.

How to apply. Apply to the hospital's financial assistance office. Each hospital's policies and applications are posted on its website and on HCAI's Hospital Fair Pricing Policy Lookup (https://hcai.ca.gov/affordability/hospital-fair-billing-program/hospital-fair-pricing-policy-lookup/).

> Is a self-pay patient OR a patient with high medical costs; AND Patient's family income is not more than 400 percent of the federal poverty

Source https://hcai.ca.gov/affordability/hospital-fair-billing-program/hospital-bill-complaint-program/frequently-asked-questions/, checked 2026-11-10

### Hospital Bill Complaint Program (HCAI)

A free state program at HCAI. If a hospital wrongly denied you financial assistance, did not tell you about its programs, or sent you to collections the wrong way, you can file a complaint online (English and Spanish) or by mail (many languages). You must have applied to the hospital first for HCAI to review an eligibility decision. If HCAI finds you paid too much, the hospital must refund you within 30 days. It covers problems on or after January 1, 2022. It does not handle general billing disputes, price transparency, Good Faith Estimates, or bills from emergency room doctors.

Applies to complaints about any hospital covered by the Hospital Fair Pricing Act.

How to apply. File online through the Patient Complaint Portal (https://hcai.ca.gov/affordability/hospital-fair-billing-program/hospital-bill-complaint-program/should-i-file-a-complaint/) or mail the Patient Complaint Form to Department of Health Care Access and Information, Hospital Bill Complaint Program, 2020 West El Camino Avenue, Suite 1101, Sacramento, CA 95833.

> If you believe you were wrongly denied financial assistance, you may file a complaint with the Hospital Bill Complaint Program.

Source https://hcai.ca.gov/affordability/hospital-fair-billing-program/hospital-bill-complaint-program/, checked 2026-11-10

### Emergency physician discount rule

Most hospital policies cover only the hospital's own bill. Emergency room doctors often bill separately. California law also requires an emergency physician to give discounts to uninsured patients and patients with high medical costs whose family income is at or below 400% of the federal poverty level. Ask the doctor group's billing office for its discount policy. HCAI's complaint program does not handle emergency doctor bills.

Income levels in the program are discount up to 400% of poverty level.

Applies to emergency physicians who provide emergency medical services in a California hospital that provides emergency care.

How to apply. Ask the emergency physician group named on the bill for its discount payment policy.

> an emergency physician who provides emergency medical services in a hospital that provides emergency care is also required by law to provide discounted care

Source https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=c7bdd7eb-bcc0-4a84-bcab-a21b5e578d9c, checked 2026-11-10

## Notes

Free care at or below 200% of the poverty level, for both uninsured patients and the part insured patients owe. From 201% to 400% with no insurance, you pay a share of what Medicare would pay, from 25% up to 85% on a sliding scale. From 201% to 400% with insurance, you owe only the gap between what insurance paid and the Medicare amount. Above 400% with no insurance, you pay 100% of what Medicare would pay. Above 400% with insurance, your share is capped at the Medicare amount plus 20%. Above 400%, a very large bill (generally over $200,000) can be reviewed case by case as a catastrophic event. Homeless patients, patients in bankruptcy in the past 12 months, and Medi-Cal patients with unpaid denied days can get free care automatically. There is no deadline to apply. For emergency or urgent care under $5,000, proof of income may not be needed. Appeals go in writing to the Patient Business Office. The decision of the Vice President is final. Payment plans have no interest and usually last up to 12 months. The policy (CH-C-22) is dated 07/2025. HCAI lists it with an effective date of 12/04/2025. The phone number is the Loma Linda Patient Business Office. It is open Monday to Thursday 9 to 5 and Friday 9 to 2.

## Sources

- Free care level https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > Patients whose income is 200% or less of the FPL receive full Charity Care
- Discount level https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > those patients between 201% and 400% of FPL will not pay more than what Medicare or Medi-Cal would typically pay
- Discount steps https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > the patient's payment obligation will be a percentage of the amount the Medicare program would have paid for the service
- Insured patients https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > the patient will receive Charity Care assistance for their portion of payment and have no further payment obligation.
- Asset test https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > No Monetary Assets are considered in making a qualification determination.
- Very large bills https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > any account with a patient liability for services rendered that exceeds $200,000 may be considered for eligibility as a catastrophic medical event.
- Documents https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > Family income is determined using only a copy of the patient’s federal tax return or recent pay stubs.
- What is not covered https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > This policy does not apply to physician services at LLUCH.
- Languages https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > These notices will be posted in English and Spanish and are available in other languages as required by law.
- Financial counseling phone https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=2357fdc6-2b3f-4e7f-81df-62a17ffd67a3
  > please call the Patient Business Office at (909) 651-4177
- Facility list https://api.hdc.hcai.ca.gov/Public/Extract/Attachment?id=102e2754-ce7a-4086-8e70-5de84288d43e
  > Loma Linda University Children’s Hospital (collectively referred to as LLUCH)

Last checked 2026-11-10.

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