Thank you for choosing Steamboat Emergency Center for your emergency medical care. We understand that some patients may find the billing process confusing or overwhelming. To better serve you, we want to make the billing process simple and transparent. Your bill may be different from other medical bills you may have received from hospitals or physicians. It’s important to note that Steamboat Emergency Center is an emergency medical center.

Click the links below to learn more:
Steamboat Emergency Center's Billing Policy
Steamboat Emergency Center 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, SJM Billing at 970-293-3125.
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.

Steamboat Emergency Center is classified as out-of-network with many insurance companies; however, Steamboat Emergency Center does honor all in-network deductibles and benefits.
What is Workers’ Compensation?
Workers' compensation is a state-funded insurance program that gives covered employees income and medical benefits if they're injured while working. Colorado employers may choose to provide their employees with this coverage. Most employers will inform you as to whether or not you're covered under this state plan.

For more information on workers' compensation, visit this page.
Are We In-Network?
For all cases deemed emergent, state law requires your insurance company to pay for your emergency care, even if the emergency room is classified as out-of-network.
Steamboat Emergency Center is not an Urgent Care Clinic
• Steamboat Emergency Center is an emergency room and charges rates comparable to a hospital emergency department, including a possible facility fee.
• The physician may bill separately from the facility.
• Steamboat Emergency Center and facility-based physicians may not be a participating provider in an individual’s health plan network.

At any point, if you would like to speak to our Billing Department, please call SJM Billing at 970-293-3125.