Insurance & Billing

Most Health Insurance Plans Accepted

At Life Savers 24 Hour Emergency Room, we accept nearly all private insurance plans, including: Aetna, United Health, Humana, Cigna and BlueCross / BlueShield. When you are in need of emergency medical care, your insurance provider is required by Texas law to pay for your emergency medical treatment. Whether we are part of your insurance network or not, we honor in-network billing rates. This means you will pay the least amount possible for your visit. You will be responsible for the percentage of your emergency room bill required by your insurance plan. At the end of your visit, you will be asked to pay your emergency room copay.

Alternative Payment For Care

For individuals without insurance or who are covered by CHIPS, Medicare or Medicaid, we accept cash, checks, and all major credit cards, including: Visa, MasterCard, and Discover Card.

In-Network Vs. Out Of Network Billing

According to Texas Guidelines, all insurance carriers are required to pay in-network benefits for any member seeking emergency medical treatment. Texas law requires that your insurance carrier pay for your emergency care, whether the emergency room is in-network or out-of-network. The state of Texas empowers you to use a prudent layperson standard when considering what constitutes an emergency.

If your insurance company refuses payment for your emergency room visit, you can file a grievance with the Texas Department of Insurance. To learn more about the Texas Department of Insurance, please visit www.tdi.state.tx.us.

Life Savers ERs billing policy is to always honor the in-network fee for services provided. This ensures you do not end up with a bill for your emergency room visit that your insurance company refuses to cover.

Understanding Your Emergency Room Bill

ER billing is a complicated and confusing process. At Life Savers 24 Hour Emergency Room, we strive to be fair and transparent with our billing. We want to help you understand the bills you receive from us, which may be different from medical bills you’ve received from hospitals or physicians.

Life Savers 24 Hour Emergency Room is a licensed freestanding emergency center. We function just like a hospital-based emergency room, but our ER billing is very different. Instead of receiving multiple bills for a single emergency room visit, Life Savers 24 Hour Emergency Room submits one claim to your insurance company. Your insurance company will not be charged separately for radiology, pathology, or cardiology over-reads, as is the case with hospital-based ERs. Instead, these charges are included in your facility bill.

Our Billing Policy

At the time of your visit, your emergency room co-pay will be collected, and we will bill your insurance carrier for your policy’s emergency room benefits.

Emergency rooms must maintain an extremely high level of preparedness in order to effectively treat emergency medical conditions. This level of preparedness is considerably higher than at other, more traditional medical facilities. Emergency rooms charge a facility fee for each patient visit to help offset the recurring costs associated with maintaining this high level of preparedness. This is done to ensure you have access to an environment that provides the best in emergency care. The facility fee is a charge that is calculated on a point system, which is based on procedures performed, patient acuity, potential liability, and the complexity of the physician/patient interaction.

If you have any questions regarding your bill, please contact the ER. We will work with you quickly to explain our billing method and resolve any differences.