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Before you to go to the hospital, it is important to have an idea of what it will cost you. Your out-of-pocket costs will depend upon whether you have insurance or do NOT have insurance.

If You Have Health Insurance:

Option 1

Contact your HEALTH INSURANCE COMPANY or refer to your member policy to find out about:

  • Deductibles or copayments associated with the hospital stay or procedure; your insurance company can verify if you have met your deductible.
  • Annual maximum out-of-pocket costs; your insurance company can verify if you have paid your maximum for the year.
  • Whether the procedure is covered under your policy; ask your insurance company if you are uncertain.
  • Whether the hospital, physician or outpatient center is in the insurer's provider network; ask your insurance company or the provider to verify participation. (You may pay more if you use out-of-network providers.)

Option 2

Contact the HOSPITAL or the OUTPATIENT CENTER and the PHYSICIAN:

  • Ask for an estimate of the charges for your procedure or visit.

NOTE: Keep in mind that the charge reflects the "retail" price for the procedure or visit and does not reflect the discount that was negotiated by your health insurance company. Ask your insurer or health care provider what the negotiated rate is.

Option 3

Go to Texas PricePoint to search for average charges among hospitals for certain conditions or inpatient and outpatient procedures.


If You Do NOT Have Health Insurance:

Option 1

Contact the HOSPITAL:

  • Pricing estimates - Texas hospitals will provide an estimate of the charges for a particular procedure or hospital stay (this will only be an estimate; actual charges may be higher or lower depending upon the unique needs of each patient).
  • Discount policies - Many hospitals offer a discount policy for patients without health insurance; please contact the hospital's business office to see if you qualify for a discount.
  • Government programs - Low-income Texans may qualify for government health care programs, such as Medicaid, the Children's Health Insurance Program, or the County Indigent Health Care program. Ask the hospital's business office to assist you.
  • Charity care - Many hospitals offer free care for low-income patients who do not qualify for government programs and meet specific financial criteria. Ask your hospital if you qualify.

Option 2

Go to Texas PricePoint to search for average charges among hospitals for certain conditions or inpatient and outpatient procedures.

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If you have questions about your hospital visit, please contact the hospital's business office. You can find the hospital's telephone number by using THA's hospital directory.

Directory of Texas Hospitals