Insurance & Billing
Understand your coverage, manage your bill, and get help if you need it.
Insurance we accept
E Medical Center accepts most major insurance plans. Contact your insurer or our billing team to confirm coverage before your visit.
- Aetna
- Blue Cross Blue Shield
- Cigna
- Humana
- Kaiser Permanente
- Medicare
- Medicaid
- UnitedHealthcare
Financial Assistance Policy
As a condition of tax-exempt status under IRC Section 501(r), E Medical Center provides free or discounted care to eligible patients based on household income and family size, regardless of insurance status. Assistance is based on the Federal Poverty Level (FPL) guidelines published annually by HHS.
| Household income | Assistance level |
|---|---|
| At or below 200% of FPL | 100% free care |
| 201%–300% of FPL | 75% discount off charges |
| 301%–400% of FPL | 50% discount off charges |
You may apply for financial assistance at any point in your care, and up to 240 days from your first post-discharge billing statement. While an application is pending, we pause any extraordinary collection actions on your account.
Apply for Financial AssistancePaying for someone else?
Caregivers with granted access can view and pay a family member's bill directly, without needing their login.
Billing FAQ
When will I receive my bill?
Most patients receive a statement within two to four weeks after their visit, once insurance has processed the claim.
Can I set up a payment plan?
Yes. For balances over $200, our billing team can set up an interest-free plan: you put down an initial amount, then pay the remaining balance in monthly installments. There's no fixed minimum down payment, we work out an amount and schedule that fits your budget.
What if I don't have insurance?
Uninsured (self-pay) patients receive an automatic discount off standard charges, and may also qualify for our financial assistance program depending on income. Call our billing team before your visit and they can estimate your cost and walk through payment plan options.
Can I get a cost estimate before my visit?
Yes. As required under the federal No Surprises Act, uninsured and self-pay patients can request a Good Faith Estimate of expected charges before any scheduled service. If your final bill is $400 or more above that estimate, you have the right to dispute the charge.
How do I apply for financial assistance, and how long do I have?
Complete a Financial Assistance application with our billing team, submitted in person, by phone or by mail. You can apply any time during treatment and up to 240 days after your first post-discharge statement; a pending application pauses collection activity on your account.
Can I request an itemized bill?
Yes, you can request a fully itemized statement listing every charge and billing code at any time, free of charge, by contacting our billing team.
Can I pay a bill for a family member?
Yes. Once they grant you caregiver access, you can view and pay their balance from your own account. Visit our Family & Caregiver Access page to get started.