EMS Billing Information 
 

The Emergency Medical Service Claim Process:

TowerDIRECT, manages the billing process. When possible, your invoice is filed directly to your insurance carrier with the information provided at the time of the emergency. However, it is ultimately the patient’s responsibility to ensure that TowerDIRECT receives the information necessary to file the claim, and follow up with the insurance company until payment is made.

Billing statements are sent to the patient if:

• They are not insured;
• If we have insufficient information to file a claim;
• If insurance has denied coverage. 

How do I make my payment?

For calls before January 1, 2023 please visit the Freedom Valley Medical Rescue (FVMR) website at http://fvmedrescue.org/

FVMR is the prior provider of EMS in the Borough. 

What if I do not have insurance?

If you are unable to pay your bill, TowerDIRECT is willing to arrange a payment plan.

Why did my insurance company mail the check to me?

Different insurance companies have different policies regarding reimbursement for services rendered. Some insurance companies choose to reimburse the patients directly, instead of sending the payments to the medical providers. If this happens, you may simply endorse the check over to TowerDIRECT. 

Why didn’t I get a bill?

When TowerDIRECT has all of the necessary information, they are able to submit invoices directly to the insurance company for the patient. They are frequently able to complete the billing process without involving the patient with the claims filing process. If this is the case, you may not receive a bill. If you would like a copy of the bill for your records, just let TowerDIRECT and they will mail it to you. You may also receive or request an explanation of benefits from your health insurance carrier.

Why should I have to pay for your service? Don’t I pay taxes for this? Aren’t you all volunteers?

TowerDIRECT survives almost entirely on reimbursement for services provided. The cost of vehicles, insurance, facilities, fuel, medical equipment, training and supplies have escalated dramatically in recent years. But the insurance companies continue to reduce payments, and make their processes harder and more confusing. Your payment helps to secure the continued survival and ongoing quality of the emergency medical service in your community.

Additional questions can be directed to EMS Chief Brad Cosgrove via email at brad.cosgrove@towerhealth.org.