When you arrive, you will receive a Medical Screening Evaluation (MSE) at no cost to you, performed by one of our Emergency Room physicians. This evaluation is designed to rule out any life-threatening conditions. During the MSE, the physician and emergency room nursing staff will take your vital signs and explain any necessary services to either continue treatment or stabilize your symptoms.

If you choose not to proceed with the recommended care after this evaluation, you may be discharged at no cost.

If You Have Insurance: A Patient Care Coordinator will review your insurance benefits with you at the time of service and collect any required copay. After your visit, a claim will be submitted to your insurance provider. This process may take a few weeks. If your insurance applies additional in-network charges to your deductible or co-insurance, you may receive a bill for the remaining balance. The final amount you owe may vary depending on your insurance plan and coverage.

If you are Uninsured: If you do not have insurance and choose to proceed with care, our Patient Care Coordinators will review your options with you using our Self-Pay Fee Schedule. We offer discounted rates and flexible payment plans based on your financial situation.

At Full Spectrum Emergency Room, we are committed to transparent pricing and ensuring all patients have access to the care they need—regardless of insurance status.

After your claim is processed, your insurance provider will send you an Explanation of Benefits (EOB). Please note that the EOB is not a bill. It simply outlines what your insurance has covered based on your plan, and any remaining amount you may owe—such as charges applied to your deductible or co-insurance. You may receive separate EOBs for facility and physician services.

If you have any questions after receiving your EOB, our in-house billing team is here to help. We can verify the status of your claim and ensure it was processed correctly. Please keep in mind that the claims process can take time, and appeals may be necessary if certain charges are initially denied.

For any billing questions, contact our billing department at (210) 429-8313, Monday through Friday, 8:00 AM to 5:00 PM.

You will receive two separate bills for your emergency room visit. One bill will cover facility charges for any testing and/or procedures performed. The second will be a professional services bill from the emergency physician, billed under either PVD Medical Associates or Hardy Oak Enterprises, depending on the location where you received care.

If you have any questions about either bill, please don’t hesitate to contact us. Charges can vary based on your treatment, insurance coverage, and out-of-pocket benefits at the time of service.

Our billing department is available Monday through Friday, from 8:00 AM to 5:00 PM, and can be reached at (210) 429-8313.