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Thank you for choosing NW Indiana ER & Hospital for your emergency medical care. To better serve you, we want to make the billing process simple and transparent. We understand that some patients may find the billing process confusing or overwhelming. We want to help you understand your bill. Your bill may be different from other medical bills you may have received from hospitals or physicians. It’s important to note that NW Indiana ER & Hospital is a fully licensed hospital with ER services.

NW Indiana’s Billing Policy

NW Indiana ER & Hospital accepts private insurance plans such as Aetna, Humana, United Health, Cigna, and BlueCross/BlueShield. We also accept out-of-pocket payment in the form of cash, checks, or credit cards.

Your ER co-pay will be collected at the time of your visit. We will then bill your insurance company for the policy’s emergency room benefits.

There will be two different claims mailed to your insurance company: the facility bill and the physician bill.

If you have any questions concerning your bill, please contact our Billing Department, Tyvan Billing at 713-357-2535.

Insurance Benefits

If you have health insurance, you will receive an EOB (explanation of benefits) from your insurance company in the mail. Taking the time to be familiar with your benefits will help you make the best decisions when seeking medical care. It is important to note that the EOB is not a bill.

NW Indiana ER & Hospital is classified as out-of-network with many insurance companies; however, NW Indiana ER & Hospital does honor all in-network deductibles and benefits.

Are We In-Network?

If you have questions on Indiana’s state law as far as emergency care being covered or a refusal of reimbursement from your insurance provider please visit or contact the Indiana Department of Insurance at: https://www.in.gov/idoi/ or  doi@idoi.in.gov