Emergency Care Payment
When you receive emergency care, your insurance company requires you to share the cost of your health care as part of your contract. At Lehigh Valley Health Network, we always will provide the care you need regardless of your ability to pay.
Like many health networks nationwide, we collect your co-pay before you are discharged from the emergency room (ER). A co-pay is the flat fee you pay each time you receive a particular service, such as the fee you pay when you visit your doctor’s office or pick up a prescription. Ironing out the finances at the time you receive care is very beneficial for both you and our health network.
Benefits of paying at the time of your visit
Following your visit, you need to focus on getting better. By taking care of your co-pay at discharge, we’re preventing the stress that comes from bills in the mail and potential phone calls from a collection agency. Additionally, we may find that you are eligible for help with your medical bills, which can prevent unnecessary financial burden. Your health is always our main concern.
Paying at the time of your visit is also beneficial to our community. On average, it takes up to 90 days to collect payments owed to us. That can be very costly and time-consuming. Sometimes we receive no payment at all, even from patients who would have been eligible for help with their medical bills. By paying early, you’re helping us avoid unnecessary costs and work more efficiently. These savings are then reinvested to help operate the health network, pay for new medical technology and maintain our facilities – all of which benefit our patients and community.
How to pay your portion of the bill
You can pay at our “CheckOut” desk before you leave the ER. We accept cash, check, Visa, MasterCard, Discover and American Express. We do not accept debit cards, unless they are Visa or MasterCard processed as credit.
Other bills you may need to pay later
Beyond your co-pay for your ER visit, you may receive bills from the ER physician or radiologist for related services.
This is because your insurance company may require you to pay a:
- Deductible – The amount you must pay each year for health-related expenses before your insurance company begins paying. For example, John Doe may be required to contribute $200 toward his medical bills each year. If that deductible hasn’t been met and his care is $200 or less, he will be billed for that cost.
- Co-insurance – The percentage of each claim above the deductible that you pay. For example, if John Doe’s co-insurance is 20 percent, he will pay the deductible plus 20 percent of his covered expenses. His insurance company will pay 80 percent of the bill.
Every health insurance plan is different. To learn more about your responsibility, please contact your insurance company.
If you can’t afford to pay for care
We can accept a partial payment for your co-pay. We also can arrange for a financial counselor to contact you about options. You can talk with a financial counselor by calling 484-884-0840. If you are uninsured or underinsured, the financial counselor will determine if you are eligible for state medical assistance or our financial assistance program based on your income.