AUSTIN (KXAN) – Before flying to Peru to hike the Inca trail, Suli Luque and her husband went to get tested for COVID-19. They needed to show proof of negative test results to be let into the country.

The couple made an appointment at the Austin Emergency Center in Riverside — one of Texas’s many freestanding private emergency rooms.

Their tests came back negative, clearing the way for a trip to Machu Picchu, filled with llama sightings and mountain views. But a letter from their insurance company quickly killed their excitement.

Austin Emergency Center claimed the visit for their COVID-19 tests cost $3,973 altogether, and their insurance company said it was the couple’s responsibility to pay it.

“Abused — there really is no other way of saying this,” said Luque. “Do they take advantage like this? Do they try to get as much out of everything they do?”

The prices were especially shocking because COVID-19 testing has largely been available for free throughout the pandemic for Americans. In addition, local governments have done free testing at public sites, and federal laws have required health plans to cover the full costs of coronavirus testing without a deductible or co-payment.

The explanation for the high costs had more to do with where Luque got her COVID-19 test. Austin Emergency Center is made up of six locally owned, independently run emergency rooms in Central Texas.

The cash price listed on the Austin ER website for a COVID-19 test is $427, but it’s a cost insurance providers are generally required to cover under the CARES Act. Austin ER said that when it sends a claim to health plans, it doesn’t just charge for the cash price of the test — it also bills for what they call a “physicians charge,” an ER visit charge and a lab charge.

The letter Luque got from her insurance agency was not a bill but an explanation of benefits (EOB) from her insurer. An EOB is a pre-bill explaining what you could get charged with, and what you would be responsible for.

The letter essentially let the couple know their insurance would not be footing the bill for the other charges Austin ER added to the claim.

So where does that leave Luque? In an email, Austin Emergency Center said that if insurance doesn’t agree to pay the fees associated with the test, it won’t actually bill the patient for any of the non-covered charges.

Texas Association of Health Plans Communications Director Alicia Pierce said what happened to Luque is happening across the state in many free-standing emergency rooms.

“They’re trying to pass along these costs to health plans and insurance companies to see what they can get for it,” said Pierce. “There’s stories throughout the state, and there’s a pattern of behaviors from free-standing ERs.”

Pam LeBlanc was among two NewsNation affiliate KXAN viewers who shared their EOB letters back in June 2020, showing that her insurance was billed more than $6,000 after COVID-19 tests at a location of the Austin Emergency Center.

The Texas Association of Freestanding Emergency Centers represents many freestanding emergency rooms across the state but does not include the Austin Emergency Center. The group said it “strongly condemns the practice of excessive billing fees for COVID-19 testing” and said, “when there is an extreme strain on our health care system, patients must remember freestanding emergency centers are not testing sites.”

“The Omicron variant, while less severe, is more contagious, causing a drastic increase in the number of patients our ERs are treating,” the Texas Association of Freestanding Emergency Centers said in a statement. “We recommend those who are only seeking a test with no symptoms of illness to go to a testing site, find an at-home test, or set up an appointment with a primary care facility rather than visiting an emergency center.”

Patients, in most cases, will never see an actual bill in the mail reflecting the charges in the EOB, according to Pierce. But patients could be impacted by the high charges from free-standing clinics for COVID-19 testing further down the road.

“Depending on a number of factors, some of those costs could come back to them,” said Pierce. “On a macro level, it can mean higher costs for patients eventually because premiums will have to go up to cover those exorbitant costs. But also, usually, those are things that could get passed on as not just a premium, but also a co-pay or cost with your deductible.”

Pierce said in cases like Luque’s, patients should immediately notify their insurance agency to flag that the costs don’t match the service they received.

“It makes me sick to my stomach. That’s really how I feel,” said Luque. “This is not like a choice that I had. I didn’t just go get something because I wanted to. This was something that was required.”