When a medical emergency brings you to Coppell ER, you’re protected from surprise bills by federal and Texas law.
These protections mean you pay only what you’d pay at any in-network emergency room—your copay, coinsurance, and deductible. Our network status with your insurance plan doesn’t change your costs. And if there’s ever a billing dispute, we handle it with your insurer so you don’t have to.
Even if Coppell ER is out-of-network with your health plan, you still receive in-network pricing for emergency care.
This isn’t a special arrangement or a courtesy—it’s the law. Both the federal No Surprises Act and Texas Senate Bill 1264 mandate that emergency services be covered at in-network rates, regardless of where you receive treatment. Your insurance company must process your claim the same way they’d process a visit to any in-network ER.
Here’s what that means for you:
During an emergency, the last thing you need is to worry about insurance networks. Get the care you need. The law has your back.
Balance billing is the practice of charging patients for the gap between a provider’s fees and what insurance covers.
You receive emergency care. The facility charges $1,000. Your insurance decides $600 is the appropriate payment and sends that amount. The provider then bills you $400 for the "balance"—and this arrives on top of whatever copay or deductible you already owe. Because this extra bill often showed up unexpectedly, it became known as a "surprise bill."
For emergency care, balance billing is now illegal. Providers can only charge you your plan's in-network cost-sharing amount. That $400 balance? It's no longer your problem. The provider and insurance company work it out between themselves. Your bill reflects only your standard copay, coinsurance, and deductible.
Federal legislation and Texas state law combine to shield you from surprise emergency bills.
Enacted January 1, 2022, this federal law protects anyone with private health insurance from balance billing for emergency services. Key provisions include:
● Out-of-network emergency providers can only bill your in-network cost-sharing amount
● Insurers must cover emergency care without prior authorization requirements
● Your emergency payments count toward in-network deductibles and out-of-pocket limits
● These protections apply automatically and cannot be waived
The law covers most private insurance, including plans through employers and the health insurance marketplace.
Texas acted before the federal government, implementing balance billing protections on September 1, 2019. SB 1264 protects patients with state-regulated insurance from surprise bills for emergency care and for out-of-network services received at in-network facilities.
The bottom line: whether federal or state law applies to your plan, you're protected. Emergency care means in-network cost-sharing only, with no balance billing permitted.
Your financial responsibility for emergency care at Coppell ER mirrors what you’d pay at any in-network ER:
Copayment: The flat fee your plan charges for emergency room visits.
Coinsurance: Your share of costs, expressed as a percentage, after you’ve met your deductible.
Deductible: What you pay out-of-pocket before insurance kicks in. Amounts paid at our facility apply to your in-network deductible.
Out-of-Pocket Maximum: Your annual spending cap. After reaching it, insurance covers 100% of eligible care. What you pay here counts toward that limit.
Your insurance company will send an Explanation of Benefits after processing your claim. This document shows exactly what you owe, calculated at in-network rates.
We take care of the paperwork while you take care of yourself.
When you arrive: We verify your insurance and collect any required copay.
After treatment: Our team files claims with your insurance company on your behalf.
Once your insurer responds: They process everything at in-network rates and mail you an Explanation of Benefits outlining your cost-sharing.
If complications arise: Disputes between our facility and your insurance company stay between us. You won’t be pulled into negotiations or billed for amounts under review.
Two categories of charges typically make up an emergency room bill:
You might see both on one statement or receive them separately. Either way, balance billing protections cover both types of charges for emergency services.
The protections described on this page are designed for patients with health insurance. If you’re uninsured or have chosen not to file through your insurance, a different set of options applies.
Coppell ER partners with Sunbit to offer payment plans built for self-pay patients. These plans feature monthly payments as low as $15-$50, a 90% approval rate, and a 30-second application process. The soft credit check won’t impact your credit score, so there’s no risk in seeing what you qualify for.
We believe everyone deserves access to emergency care, and flexible payment options help make that possible.
For details on your rights under Texas law, visit the Texas Department of Insurance at tdi.texas.gov/medical-billing/surprise-balance-billing.
For information about federal protections, call 1-800-985-3059 or visit cms.gov/nosurprises.
Our billing department can review charges, verify how your insurance processed the claim, and discuss any payment concerns.
Coppell ER Billing Department
Phone: (817) 785-8000
Email: info@aimbillingsolutions.com
