
Billing & Insurance
ANSWERED BY FULL SPECTRUM EMERGENCY ROOM AND URGENT CARE
With all the different medical care options out there, questions will certainly arise, and the insurance companies don't always make understanding your benefits an easy task. We have compiled a list of frequently asked questions and answers to help clarify some of the most important patient issues we encounter.
If you have any specific questions, please contact our billing department at (210) 405-1164 to assist in any way possible.
FREQUENTLY
ASKED QUESTIONS
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How much will I have to pay for my Urgent Care visit?If you have Insurance: At the time of your visit, one of our Patient Care Coordinators will review your Urgent Care benefits and collect your copay (if applicable). After your visit, a claim will be submitted to your insurance provider, which may take a few weeks to process. If any portion of the services is applied to your deductible or co-insurance, you may receive a bill for the remaining balance. The final amount you owe will depend on the specifics of your insurance plan.
If you are uninsured: Full Spectrum Urgent Care offers transparent self-pay rates, which will be clearly explained to you before any treatment. Our team will walk you through our pricing and discuss payment options that fit your financial situation. -
How much will I have to pay for my Emergency Room visit?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. -
I received an explanation of benefits (EOB) from my insurance company, will I have to pay this amount?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. -
Why did I receive two bills for my Emergency Room visit?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. -
Texas House Bill 3276
- If we are not in-network with your particular health plan, Federal law requires insurance companies to process your ER visit at the in-network benefit level.
- We are not yet recognized by Medicaid. If you would like to assist us in being able to accept these insurance plans, please contact your legislators.
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Texas Senate Bill 425
Senate Bill 425, passed by the Texas Legislature during the 84th Regular Session, requires all FECs to post notice of the following:
- This is a Freestanding Emergency Medical Care Facility
- This facility charges rates comparable to a hospital Emergency Room and may charge a facility fee.
- This facility or physician providing medical care at this facility may not be a participating provider in your Health Benefit Plan provider network.
- A physician providing medical care at this facility may bill separately from the facility for the medical care provided to you.
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En Acuerdo Con Texas House Bill 2041
- Full Spectrum Emergency Room es una sala de emergencias independiente.
- El centro cobra tarifas de facturación comparables a una sala de emergencias del hospital y puede cobrar una tarifa de instalación.
- El centro o un médico que proporciona servicios médicos en el centro puede ser un proveedor fuera de la red para la red de proveedores del plan de beneficios médicos de salud del paciente
- El médico(a) que proporciona servicios en la instalación puede facturar separado de la instalación por los servicios prestados.
- Full Spectrum es un proveedor participante de Blue Cross Blue Shield of Texas (Traditional Indemnity Business, PPO/POS Network, Blue Essentials, HealthSelect Network, Blue Advantage HMO Network), Multiplan, y Caprock Health Plans.
- El centro cobra una tarifa por el tratamiento médico.
- El centro cobra una tarifa de observación por el tratamiento médico.
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Texas House Bill 2041
House Bill 2041, passed by the Texas Legislature during the 86th Regular Session, requires all FECs to post notice of the following:
- Full Spectrum Emergency Room is a Freestanding Emergency Medical Care Facility.
- This facility charges rates comparable to a hospital emergency room and may charge a facility fee.
- Full Spectrum Emergency Room is a network provider with Blue Cross Blue Shield of Texas (Traditional Indemnity Business, PPO/POS Network, Blue Essentials & Healthselect Network, and Blue Advantage HMO Network), Multiplan, Caprock Health Insurance, and Curative Health Care.
- A physician providing medical care at this facility may bill separately from the facility for the medical care provided to the patient.
- This facility charges an observation fee for medical treatment.
- Fee Schedule
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Questions About Your Bill or Insurance Coverage?If you have any specific questions regarding your visit, please contact our billing specialists at 210-626-8825, M-F (8AM-5PM). Or simply email us at: billing@spechealth.com

Our Facilities
EMERGENCY ROOM: 24/7/365-
The Rim
18007 W Interstate 10 Frontage Rd.
San Antonio, TX 78257 210-429-8313 Map & Directions -
Hardy Oak
23511 Hardy Oak Blvd.
San Antonio, TX 78258 210-361-3266 Map & Directions
