Insurance Plan Coverage Overview

In-Network vs. Out of Network Coverage

We accept all major private insurance plans.

Frontline ER locations are licensed freestanding emergency centers. We function just like a hospital-based emergency room. According to Texas law, insurance carriers are required to pay in-network benefits for members seeking emergency treatment. Thus, Texas law requires all insurance carriers to pay for emergency care, even if the facility is out of network. To reduce your cost, Frontline ER honors all in-network billing rates, even if we are not a part of your provider’s network.

State law further mandates that patients be reimbursed for their emergency room visits by their insurance carriers. If your insurance company refuses payment, you can file a complaint with the Texas Department of Insurance by visiting: http://www.tdi.state.tx.us.

At this time, Frontline ER does not accept Medicaid, Medicare, Chips or Tricare.

Billing Policy

We’ll collect your emergency room co-pay at the time of visit, then bill your insurance company per your policy’s ER benefits.

After your visit, you will receive an Explanation of Benefits (EOB) from your insurance company that will describe what out-of-pocket costs you will be responsible for, depending on your insurance plan.

Two claims will be filed with the insurance company: one for the facility, the other for the board-certified physician. Your insurance company isn’t charged separately for things like Radiology, Pathology, or Cardiology over-reads, which are instead included in the facility bill, as is typically the case with hospital-based ER bills.

Emergency rooms like Frontline ER incurs costs to maintain a high level of preparedness to treat emergency medical conditions. To offset these costs, each patient is charged a facility fee based on a point system based on various factors including the procedures performed and complexity of the physician/patient interaction.

Texas Senate Bill 425

This bill relates to healthcare services and fees charged by freestanding emergency centers. Frontline ER locations are freestanding emergency medical care facilities that charge rates comparable to hospital ERs, and may charge separate facility fees. Patients may also be treated by physicians who are not a participating provider. Therefore, the physician providing medical care may bill separately from the facility for the medical care provided to a patient.

For more information about Senate Bill 425, visit the Texas Association of Freestanding Emergency Centers (TAFEC) website.

If you have questions about your Frontline ER bill or our billing and insurance policies in general, please contact a patient care representative at