Billing and Insurance

We participate with most private insurance plans, including Aetna, United Health, Humana, BlueCross/BlueShield, and Cigna. Unfortunately, we are prohibited by law from accepting federal insurance plans, including Medicare, Medicaid, Tricare and CHIPS – but we will never refuse a patient treatment because of inability to pay. We do accept out-of-pocket payment in the form of cash, check or credit card. To get a quote for care, come in today for a free basic medical screening.

Senate Bill 425

• Texarkana Emergency Center is an emergency room.
• Texarkana Emergency Center charges rates comparable to a hospital emergency department, including a facility fee.
• The physician may bill separately from the facility.
• Texarkana Emergency Center and facility-based physicians may not be a participating provider in an individual’s health plan network, but we do honor all in-network benefits.

For more information about Senate Bill 425, click here.

In-Network vs. Out of Network

We encourage our patients to research their insurance benefits and know their healthcare rights.

According to Texas guidelines, all insurance carriers are required to pay in-network benefits for any member seeking emergency medical treatment, no matter if the emergency room is in-network or out of network. The state of Texas empowers you to use the 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

Understanding your Bill

Paying your medical bills can be a frustrating and confusing process. At Texarkana Emergency Center, 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 other physicians.

Texarkana Emergency Center is a licensed freestanding emergency center, which means our facility functions just like a hospital-based emergency room. According to Texas Guidelines, all insurance carriers are required to pay in-network benefits for emergent visits. The state of Texas also empowers you to use a prudent layperson standard when considering what constitutes an emergency.

Insurance Benefits

If you have insurance, you will receive an explanation of benefits (EOB) from the insurance company in the mail, which details our charges. Please note this is not a bill. Depending on your insurance plans, there may be additional charges associated with this visit. We honor all in-network benefits.

Our billing team will contact your insurance provider to advocate for all of your entitled benefits. You can make the process easier by reviewing the EOB to become familiar with your benefits, which will help you to make educated decisions when seeking medical care.

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.

Two separate claims will be mailed to your insurance company: one for the facility and one for the physician. 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.

Emergency rooms must maintain an extremely high level of preparedness in order to effectively treat emergency medical conditions. Emergency rooms charge a facility fee for each patient visit to help offset the recurring costs associated with maintaining this high level of preparedness. 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 billing and insurance, please contact Tyvan Billing at 713-357-2535. We will work diligently to resolve any issues.