Compassionate payment solutions designed specifically to serve Valley Hospital patients.

Who is Care Cap Plus

Care Cap Plus is a third-party solution offered by Valley Hospital to help patients with open self-pay balances find payment solutions that suit their financial circumstances. Our #1 goal is connect with patients, helping them to avoid debt collections. You have a dedicated representative and team here to answer questions and problem-solve payment alternatives.

Your Assigned Representative

Spencer Taltavull
Direct Dial: 201.301.6164
SMS: 201.995.6722


4 Reasons to Use Care Cap Plus


Pay in Full today

Online payment using Valley Hospital’s secure portal is always available. Have the Account Number provided on your statement and/or our text reminders to complete the transaction seamlessly.


Enroll in Payment Plan

Regardless of your credit score, Care Cap Plus offers interest and fee-payment plans. Monthly payment plans are automated and do not affect your credit score in any way.


Supply Insurance Information

For various reasons we may not have been able to gather your insurance information on your visit. That’s okay! By providing your insurance information, we can bill insurance accordingly.


Qualify for Financial Assistance

Eligible patients who are uninsured, underinsured, ineligible for a government healthcare program, or otherwise unable to pay for medical care may apply for Financial Assistance.

Understanding Care Cap Plus Payment Plans

Care Cap Plus

  • Mininum credit score
    as low as 400
  • Credit Impact: No hard check
  • Zero interest & fees
  • Automated monthly payments deducted through ACH

Care Credit

  • Minimum credit score
    of 600 or higher
  • Credit Impact: Hard credit check
  • 0% to 26.99% APR
    Deferred retroactive interest if not paid in full during promotional period.
    26.99% APR
    Deferred and retroactive interest
  • Patients make monthly payments via Care Credit app or website Through exclusive CareCredit cardholder account.

Scratch Pay

600 - 700
  • Minimum credit score
    of 600 - 700
  • Credit Impact: Hard credit check
  • 0% to 13.99% APR
    Late fees apply.
    Varying checkout fees.
  • Bank account, debit card and credit card payments.

Green Sky

  • Minimum credit score of 650
  • Credit Impact: Hard credit check
  • 4.99-23.99% APR
    Transaction fees and deferred interest
    Pay a small fee each time a transaction is made
    Deferred interest
  • Pay online ACH, check or phone call. Credit cards not accepted. Online bank account or check

Testimonials Exactly as They Are

It has been so helpful to spread my payments out over time without interest or affect on my credit score.

- Patrice A.

Care Cap Plus was a Godsend. Thank you for working with me and the opportunity to pay over time. I would not have been able to pay for my…

- Maria T.

Thanks for being so helpful and courteous during such a tough year!

- Gregory M.

I would be far more likely to visit my local hospital knowing that they offer Care Cap Plus. I wouldn’t have had any way to pay off my balance…

- Marianne M.

The Care Cap Plus service is great!

- Josephine P.

Without Care Cap Plus, I would never have been able to pay off my hospital bills. I will go back when necessary knowing that Care Cap Plus is available.

- Shannon C.

Thank you for the flexibility when it comes to payment date. I have run into some difficult situations this year and Care Cap Plus gave me the payment options…

- Justina B.

Amazing customer service, needed to call once and someone picked up the phone and helped immediately. The reps are so nice!

- Sabreen A.

Spencer was super helpful and very nice. Without Care Cap Plus I wouldn’t have been able to afford my medical bills.

- Ann G.

I applied for Care Credit but ended up not not using it, after having a difficult experience. They canceled my card the morning of my procedure. Care Cap Plus…

- Meri M.

Had a horrible experience with Care Credit and I am so happy there are other options out there like Care Cap Plus.

- Rosario Y.

The Care Cap Plus program is extremely easy to manage. It is “set it and forget it.” It’s a super option.

- Kevin M.

Care Cap Plus is very convenient. I love that the payments are automated and that I get an email receipt. I never need to do anything to make a…

- Scott B.

Keep up the good work! Care Cap Plus is very responsive, very informative and helpful!

- Joy M.

Spencer was super helpful and very nice. Without Care Cap Plus I wouldn’t have been able to afford my medical bills.

- Erica S.

“No one likes to deal with big medical bills, but I worked with Care Cap Plus to deal with a big hospital bill, they were just so kind from…

- Nor B., Care Cap Plus Patient

No one likes to deal with big medical bills, but I worked with Care Cap Plus to deal with a big hospital bill and they were just so kind…

- Nor B. Care Cap Plus Customer

Very quick and easy. Great to work with professionals and friendly!

- Lisette P. Care Cap Plus Customer

Working with Melissa Anderson was an absolute pleasure & joy!!! She is extremely professional, and one of the nicest people you would ever want to talk to!!

- KD S. Care Cap Plus Customer

Sin la ayuda de Melisa imposible, muchísimas gracias.

- Rafael M. Care Cap Plus Customer

It was a pleasure working with Melissa she was very helpful and very informative I appreciate people like her that do their job well Thank you again.

- Yomarlyn R. Care Cap Plus Customer

Spencer was super helpful and made it very easy to set up a payment plan.

- Matt E. Care Cap Plus Customer

Spencer is such a pleasure to work with. He explains everything thoroughly and is very patient.

- Lisa VDW Care Cap Plus Customer