Coverage & Payment
Insurance & Billing Information
Texas Regional Urology accepts most major insurance plans. We're committed to making quality urologic care accessible and affordable, and we'd rather answer a coverage question before your visit than surprise you afterward. If you're unsure about your plan, call us at (281) 290-9800 and our billing team will check for you.
Plans We Accept
Accepted Insurance Plans
Insurance carriers offer many different plans, and being in network with a carrier doesn't automatically mean we're in network with every plan that carrier sells. Marketplace, HMO, and narrow-network plans sometimes have different participating providers than the carrier's standard plans. The only way to be certain is to verify your specific plan — either by calling the number on your card, or by calling us and letting our staff check.
Before Your Visit
Verifying Your Coverage
A few minutes spent on this beforehand prevents most billing surprises.
Check whether you need a referral. HMO plans and some Medicare Advantage plans require a referral from your primary care physician before they'll cover a specialist visit. PPO plans typically don't. Your insurance card or member services line will tell you.
Ask about prior authorization. Some procedures, imaging studies, and medications require approval from your insurer in advance. If your physician recommends something that needs it, our staff handles the submission — but knowing your plan requires it helps everyone plan around the timeline.
Know your deductible status. If you haven't met your deductible for the year, you may be responsible for the full allowed amount of your visit rather than a copay. This surprises people every January.
Bring your card to every visit. Coverage changes, and the card we have on file may not be current.
Check whether you need a referral. HMO plans and some Medicare Advantage plans require a referral from your primary care physician before they'll cover a specialist visit. PPO plans typically don't. Your insurance card or member services line will tell you.
Ask about prior authorization. Some procedures, imaging studies, and medications require approval from your insurer in advance. If your physician recommends something that needs it, our staff handles the submission — but knowing your plan requires it helps everyone plan around the timeline.
Know your deductible status. If you haven't met your deductible for the year, you may be responsible for the full allowed amount of your visit rather than a copay. This surprises people every January.
Bring your card to every visit. Coverage changes, and the card we have on file may not be current.
Without Insurance
Self-Pay & Payment Plans
For patients without insurance, we offer competitive self-pay rates. Payment plans may be available for qualifying procedures.
If you're paying out of pocket, ask for a cost estimate before your visit or procedure — our billing team can tell you what to expect rather than leaving you to find out from a statement. Please contact our billing department at (281) 290-9800 for details.
If you're paying out of pocket, ask for a cost estimate before your visit or procedure — our billing team can tell you what to expect rather than leaving you to find out from a statement. Please contact our billing department at (281) 290-9800 for details.
What You'll Owe
Understanding Your Costs
Copays are collected at check-in.
Deductibles and coinsurance are billed after your insurance processes the claim, which typically takes a few weeks. This is why you may receive a statement well after your visit, even if you paid something at the time.
In-office testing — urinalysis, ultrasound, uroflowmetry, cystoscopy — is billed separately from the office visit. These are often performed at your first appointment so you leave with answers, and your plan may apply them toward your deductible rather than a flat copay.
Pathology and laboratory work sent to an outside lab is billed by that lab directly, not by our office. If you receive a statement from a laboratory you don't recognize, it's usually related to specimens from your visit.
Deductibles and coinsurance are billed after your insurance processes the claim, which typically takes a few weeks. This is why you may receive a statement well after your visit, even if you paid something at the time.
In-office testing — urinalysis, ultrasound, uroflowmetry, cystoscopy — is billed separately from the office visit. These are often performed at your first appointment so you leave with answers, and your plan may apply them toward your deductible rather than a flat copay.
Pathology and laboratory work sent to an outside lab is billed by that lab directly, not by our office. If you receive a statement from a laboratory you don't recognize, it's usually related to specimens from your visit.
Questions About a Bill
Billing Inquiries
For billing questions, please call our billing department at (281) 290-9800.
Please have your account number and date of service ready when you contact us — it lets us pull your record immediately rather than searching.
If you've received a statement you don't understand, call before paying it. Billing questions are common, corrections are sometimes needed, and our team would rather walk you through a statement than have you pay something you don't owe.
Please have your account number and date of service ready when you contact us — it lets us pull your record immediately rather than searching.
If you've received a statement you don't understand, call before paying it. Billing questions are common, corrections are sometimes needed, and our team would rather walk you through a statement than have you pay something you don't owe.
Common Questions
Frequently Asked Questions
Probably — but verify your specific plan.
We accept most major carriers, though being in network with a carrier doesn't guarantee coverage under every plan that carrier sells. Call us with your card handy and our staff will confirm it.
Depends on your plan type.
HMO and some Medicare Advantage plans require one; PPO plans typically don't. Check the back of your insurance card or call our office and we'll help you find out.
Deductibles are billed after processing.
A copay is only part of what a plan may require, and deductible or coinsurance amounts are determined once your insurer processes the claim. That usually arrives a few weeks after your visit.
We offer self-pay rates and payment plans.
Competitive self-pay pricing is available, and payment plans may be offered for qualifying procedures. Call our billing department to discuss your situation before scheduling.
Yes — just ask our billing team.
We can provide an estimate based on your plan and the anticipated services. Estimates aren't guarantees, since the final amount depends on what's actually performed and how your plan processes it.
Outside labs bill separately from us.
Pathology and certain laboratory tests are processed by outside facilities that bill you directly. If a statement looks unfamiliar, call us and we can help you identify whether it relates to your care here.
Still have questions?
Our billing team is happy to help.
Call us before your visit and we'll verify your coverage, explain what to expect, and answer anything you're unsure about.
