Insurance

Brain Health Awareness—Staying Sharp
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A healthy body is a common topic.  But what about a healthy brain?  Brain health is something we should all be aware of and ready to cope with as we age.

A basic healthy brain begins with:

  • Regular physical exercise
  • Proper food and nutrition
  • Sound medical health
  • Adequate sleep and relaxation
  • A fit mind
  • An active social life

As they say, a sound body leads to a sound mind.  Studies show that those with a healthy body and regular exercise routine suffer less from the effects of dementia and Alzheimer’s in their later years.

Eating right puts the right nutrients into your body and bloodstream.

If you regularly see your doctor and make an effort to stay healthy your mind should follow suit.

Sleep and relaxation are how your body, and mind, recharge.

Keeping your mind sharp with regular stimulation—doing that crossword in the Sunday paper, for example—will help you stay mentally on top of things.

Having an active social life with circles of friends keeps your mind—and smile—working.  Remembering names, engaging in conversation, keeps your brain running smoothly.

Frontline ER prides ourselves in having some of the best-trained ER doctors and nurses around along with state-of-the-art treatments for a variety of conditions.  Our facilities are fully equipped and a clean and safe environment, featuring private rooms and a full-service lab and dispensary. We bill out-of-network for most insurance plans but accept what the networks pay.

Frontline ER is an acute care emergency room providing healthcare services to the communities we live and work within. Give us a call or contact us through our website should you have more questions about our services.

*photos courtesy of Unsplash (photographers: Robina Weermeijer and Mpho Mojapelo)

 

The Effective Emergency Treatment of Migraines—Up Close and Personal
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We’ve talked about migraines in this space before—what they are, how they can be prevented and treated.  Now we have a real world example of what it is like to be afflicted with and what can be done to treat a migraine.

A few days ago, an Instagram poster chronicled her visit to Frontline ER seeking migraine relief.  Her post is very detailed and gives a real-life example of what it is like to both suffer a migraine and gain relief from the affliction.

Calling it an “invisible” health issue, Andrea Fox (@missafox) describes herself as “dealing with loss” and with the migraines being “a lot to carry.”  She goes on to say that the 8-hour treatment came at the right time.

Earlier (back in January), Ms. Fox also visited Frontline ER seeking treatment.  On that visit she described our docs and nurses as “always so kind and understanding and they know exactly how to treat migraines.”

Thank you very much, Ms. Fox, for the kind words.  It is our pleasure to serve you and get you back on your feet.

We pride ourselves in having some of the best-trained ER doctors and nurses around along with state-of-the-art treatments for conditions including migraines and other chronic conditions.  Our facilities are fully equipped and a clean and safe environment, featuring private rooms and a full-service lab and dispensary. We bill out-of-network for most insurance plans, but accept what the networks pay.

Frontline ER is an acute care emergency room providing healthcare services to the communities we live and work within. Give us a call or contact us through our website should you have more questions about our services.

Work, Injuries, Care and Recovery
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“I’ve learned from…injury and come back even more humble.”—Troy Polamalu, former NFL player

Injury in the workplace is something to be avoided yet prepared for.  And while most workplaces aren’t NFL fields of play, workplace injuries happen everywhere from offices to construction sites to kitchens.

As the saying goes, an ounce of prevention is worth a pound of cure, Frontline ER is here to provide both.  Included here are some tips as well as some explanation of how we can help when an injury does occur.

Regardless of your industry or business segment, there are some universal ways to avoid injury:

  • Educate your employees on proper use of equipment and make them aware of safe workplace practices.
    • Have a safety and wellness plan tailored to your company. Set a standard.
    • Conduct formal training sessions.
  • Engineer your workplace for safe working conditions.
    • Have clean and organized work areas and supply and toll areas.
    • Understand and monitor where most accidents can (and do) happen in your workplace.
    • Provide protection equipment.
    • Have adequate staffing levels.
    • Inspect and maintain company vehicles.
  • Enforce the rules.
    • Monitor safety measures.
    • Keep track of workplace injuries and incidents.

When accidents and incidents do occur, waste no time in tending to and caring for your employee.  Frontline ER is especially skilled in the treatment of a myriad of injuries and is well prepared for the documentation of those injuries for insurance and workman’s compensation requirements.

Frontline ER’s special services include:

  • No appointment necessary.
  • The same capabilities as a hospital emergency room without the wait.
  • Experienced medical staff and emergency physicians certified per DOT regulations.
  • Able to provide written reports about the injured employee once the visit is complete.
  • Allowance for stays up to 23 hours or overnight.
  • Transfer to area hospitals with immediate admission. Transportation partners include ambulance and helicopter services.

It is our top priority to ensure the safe and immediate treatment of your injured employee, with the goal of getting your business back on track faster.

Frontline ER is an acute care emergency room providing healthcare services to the communities we live and work within. Give us a call or contact us through our website should you have more questions about our services.

*Photos courtesy of Unsplash

 

Your EOB and Your Frontline ER Invoice
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After you’ve been treated at Frontline ER, we will submit your medical claim to your insurance company. Once the claim has been reviewed, you will receive an explanation of benefits (EOB) from your insurer. That is how the process for payment begins.

Please understand that an EOB is not a bill.

The EOB provides details about your medical insurance claim that has been processed and explains what portion was paid to Frontline ER (by the insurer) and what portion of the payment, if any, is the patient’s (your) responsibility.  You will also receive two bills regarding your Frontline ER visit:

  1. Facility bill.  This includes the use of the ER, medications administered, labs, imaging and supplies.
  2. Physicians bill.  This outlines the the physician’s charges for treatment.

Once you receive your Frontline ER invoices and you think you have been charged in error or do not understand the charges, please contact us.  We will be happy to speak with you and ensure that all the proper adjustments have been made.

Please contact us should you have any questions or concerns.  Thank you for being our valued patient and client.

Understanding Your Health Insurance
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There is a lot to learn about health insurance, and these definitions may help you understand your health plan.   Please understand that your benefits are established by your insurance company, not the medical facility.

Copayment is a fixed amount set by your health insurance paid to your providers.  The copay is due at the time of service. Examples of copays:

  • An emergency room copay might be $150.
  • A physician office visit, $25.
  • Prescription medication, $10.

Deductible is a fixed amount that you pay out of pocket each year before your health insurance begins to pay for medical services. If you have not met your annual deductible (expenses accured between January  to December of the year), you are responsible for medical charges until it is reached. Sometimes the insurance company applies something towards the patient’s deductible and sometimes it does not.

Coinsurance is the amount that you pay for covered medical services after you’ve satisfied your deductible. Coinsurance is typically expressed as a percentage of the charge for a service rendered by a healthcare provider. For example, if your insurance company covers 80% of the allowable charge for a specific service, you may be required to cover the remaining 20% as coinsurance. The coinsurance will apply first then the Out of Pocket amount will apply after.

Maximum Out-Of-Pocket Costs.  These are the annual limit for which patients are responsible under a health insurance plan. This limit does not apply to premiums, charges from out-of-network health care providers or services that are not covered by the plan. These charges happen when the deductible limit is met first and then the out-of-pocket limit is met. Once the annual limit is fully met by the patient’s plan, then the insurance will cover 100 percent of the allowed amount on the claim. This means no more copayments, deductible or coinsurance amounts to pay once the out-of-pocket annual limit is met.

Covered Services are what your plan will pay for completely or in part. Your health plan does not have to cover every service. The plan may only pay for a certain number of some services. Call the insurance company to see what services are covered. If a service you need is not covered, you should talk to your service coordinator before getting the service.

Prior Authorization means the emergency room does not need prior authorization.  Some plans require prior authorization (or prior approval) before certain services are provided. The doctor provides information to the plan to request the authorization. If the plan does not authorize the service, the insurance company will not pay for the service.

In Network.  Texas Senate Bill 425 ensures that a licensed emergency room does not need to be “in-network.”  That is, part of your insurance company network.

Appealing: You cannot appeal if the service was not covered by the plan or if you received more than the amount of services allowed.   If the insurance company still denies payment, you may be able to have an independent review organization (IRO) look at the denial. An IRO is an independent third party certified by the Texas Department of Insurance (TDI) (www.tdi.texas.gov/pubs/consumer/cb005.html).

Should you have any further questions or need clarification on your Frontline ER invoice, please contact us.

Frontline ER Richmond Clarifies Its COVID-19 Testing Payment Policies
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Frontline ER Richmond is pleased to able to offer COVID-19 Antigen testing with results provided during your visit.  However, as of October, 24, 2020, payment policies have changed with regard to insurance and out-of-pocket payments.

Insurance. Insurance companies have announced varying deadlines regarding the “cost share” of payments for COVID-19 testing.  Frontline ER has established the following requirements for patients using their insurance:

  • A copay will apply to your ER visit for COVID-19 testing.
  • Patients must wait at least five days before testing after initial exposure.
  • A patient must exhibit symptoms within the last ten days.

Out of Pocket or Self Pay. For patients paying for the test themselves, Frontline ER offers quick registration and drive-thru testing paying by cash, credit or debit.  However, we do not provide insurance paperwork to file on your insurance.  We are also unable to provide billing codes or receipts for insurance.

Travel.  Testing for travel is self pay only (the fee).  We only offer the Antigen COVID-19 test with results during your visit.   We do not offer the molecular PCR test at this time.  It is the responsibility of the traveler to determine which test is required for their specific travel needs.

Frontline ER is a state-of-the-art freestanding emergency center providing diagnostics and treatment for patients 24/7.  Equipped to provide pediatric and trauma emergency care as well as treatment of workplace and household injuries, Frontline ER has locations in Dallas and Richmond, Texas.