Most emergency visits to the CWC Emergency Center are covered by insurance. To ensure that your emergency is completely covered by your insurance, we encourage you to become familiar with your insurance plan or to call your insurance directly to understand your benefits.
Depending on your insurance, a payment in the form of your co-insurance, deductible, and/or a copay may apply.
If you are a self-paying patient, you will be provided with all fees that apply to your visit after you are triaged.
There will be two separate charges for your visit:
- Professional physician service from Complete Women Care. For questions about the professional service fee, please call the CWC Billing Department at 562 424 8422 ext. 6004
- Facility fee(s) from CWC Emergency Center. If you have questions about facility charges, please call the EC Billing Department at 310 469 5111.
She will verify your benefits and, depending on your insurance, a payment in the form of your co-insurance, deductible, and/or a copay may apply. Usually, the ER copay amount is noted on the back of your insurance card.
She will also let you know if any other charges apply to your visit. Co-pays are collected at time of visit.
- Are my emergency visits covered by my insurance?
As a part of the health care reform law, also known as the Patient Protection and Affordable Care Act (PPACA), there are several changes to how emergency room visits are covered.Insurers cannot require a prior authorization for emergency services, even if provided by an out-of-network provider.Insurers cannot charge higher co-payments or coinsurance for emergency services at an out-of-network provider.
Balance billing is not prohibited, but a “reasonable amount” must be paid before you are responsible for paying the balance of a bill.
Emergency services must be provided without regard to any other term or condition of the plan or health insurance coverage, other than:
the exclusion or coordination of benefits;
a permitted affiliation or waiting period; or
sharing requirements that apply.
Insurers may not put a requirement or limitation on benefits for out-of-network emergency services that are more restrictive than those that apply to in-network emergency services.
Note: The rules for emergency services do not apply to grandfathered plans. However, other federal and state laws related to these patient protections may apply regardless of grandfather status. These changes are effective for plan years beginning Sept. 23, 2010. For more information on health care reform, visit www.healthcare.gov.
- How will I know if my insurance will pay my bills?
Some health plans require certain services to be authorized, or pre-certified, before the patient receives them, however this should not apply to emergency visits like those mentioned above. The best thing you can do is to know your health plan’s requirements by reading the information given to you by your insurance provider or employer, or by calling your insurance provider directly.
- I have no insurance. How much will my visit cost and when am I expected to pay?
If you call us prior to your visit and let us know why you are coming in, we can ESTIMATE the cost of your visit. We cannot guarantee any fees until after you have had your appointment. Payment is expected at the time of service.
Please call 855-376-2496 for more information.
- Do you offer any discounts for self-pay patients?
Yes, we offer an affordable cash fee schedule for self-paying patients and we offer special discounts for students.
- How will I know how much I owe?
Your insurance provider will send you an Explanation of Benefits (EOB) notice that details the amount it has paid, any non-covered or denied amounts, and the remaining balance that you are responsible for paying to Complete Women Care for professional services or to the CWC Emergency Center for facility fees. Review your EOB carefully, compare it to your Complete Women Care and Emergency Center billing statement, and call your insurance provider or a Complete Women Care billing representative right away if you have questions or concerns.
- Why am I getting two separate bills?
Just like a hospital, you will receive two separate bills from CWC. These will include:
A professional physician service from Complete Women Care. For questions about the professional service fee please call the CWC Billing Department at 562 424 8422 ext. 6004.
Facility service fees from the CWC Emergency Center. If you have questions about facility charges please call the EC Billing Department at 310 469 5111.
- Whom do I call if I need my bills to be explained?
For professional physician service fees from Complete Women Care, please call the CWC Billing Department at 562 424 8422 ext. 6004, Monday – Friday from 8:00am – 5:00pm.
For facility service fees from CWC Emergency Center please call the EC Billing Department at 310 469 5111, Monday – Friday from 8:30am – 5:00pm.
- Can I pay online or over the phone?
You can pay over the phone or online for the professional service fees from Complete Women Care. If you already have a Patient Portal account, please log in, click on billing, and you will be guided through the payment process.
For facility service fees from the CWC Emergency Center you can pay by mailing a check or with your credit card by calling 310 469 5111, Monday – Friday from 8:30am – 5:00pm.
All other and additional services are priced at the Medicare allowable rate
- In most cases an ultrasound is needed
- Lab fees can be obtained from Path Inc. If the payment to Path Inc is paid at time of service, the service fee is reduced