Nobody wants to deal with big insurance companies by themselves. We here at Altus Emergency Center understand that. Because of the many challenges that insurance poses, our Patient Advocate Department is ready to stand by you so that you get the best possible coverage. While you can’t always prevent an emergency medical event, you can prevent yourself from paying too much for healthcare. With so many healthcare options available, it is important for patients to know that our ER in Lake Jackson offers the best access to medical treatments and technologies, along with the knowledge that you have an entire team at your back.
Emergencies Must Be Covered
Even though we are not technically part of a payor network, we are required by law to cover patients in emergency situations. That means that both state and federal law mandates freestanding ERs like ourselves to provide care in the case of an emergency. No matter what your insurance situation, our Lake Jackson ER is here for you when an emergency strikes.
Our Advocates Are Your Advocates
Patient Advocates are an important part of the Altus Health team, making sure that your insurance company gives you the absolute best coverage possible. Advocates look into the best possible options for paying for your visit. They have a bunch of options at their disposal and will find out the maximum benefits you can claim from your insurance plan. Whether you have Blue Cross, Aetna, Cigna, or another provider, our team has worked with them before.
We Save Lives. Period.
Not only do we love saving lives, but we love saving our patients money. In accordance with the Affordable Care Act, we have the ability to offer discounts for patients who might not have sufficient insurance coverage or who may not have insurance at all.
What is the Prudent Layperson Standard?
The prudent layperson standard is an important term when dealing with new insurance laws. By definition, a prudent layperson is anyone with a reasonable amount of medical understanding. According to the latest healthcare laws, if such a person visits an emergency room for what they believe is an emergency, their visit must be covered by insurance, period. That means that even if a patient comes in with what they think is a broken bone but turns out to just be a bruise, the insurance provider must still cover the trip as if it was an emergency. This protects patients and makes sure that people get the coverage they need without being afraid of the bills.
The following notice has been posted in accordance with House Bill 2041 and is herby effective September 1, 2019:
- This facility is a freestanding emergency medical care facility.
- This facility charges rates comparable to a hospital emergency room and may charge a facility fee.
- Either the facility or a physician providing service at the facility may be out of network with the patient’s health insurance plan.
- The physician providing care at the facility may bill separately from the facility.
- This freestanding emergency medical care facility is out of network for all health benefit plans.
For more information about our pricing, please click here.
It is important to note that the out-of-pocket costs to a patient may differ from the prices in these lists because:
- Your physician may end up ordering other procedures, more testing, or utilizing additional drugs or supplies during the actual surgery, so the cost of the procedure may be different than what is shown.
- Your insurance may negotiate rates with our health system, and your particular plan design and where you are at during the year with regards to your deductible and out-of-pocket maximum can largely affect what you will be expected to pay out-of-pocket for your visit.
- If you do not have insurance, are underinsured, or if paying the full amount for treatment would cause financial significant difficulties, please contact us for financial assistance options, which may reduce the out-of-pocket costs for your visit.