Your Rights and Protections Against Surprise Medical Bills
When you receive emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, federal law protects you from surprise billing, also called balance billing.
What Is Balance Billing (or Surprise Billing)?
- Balance billing happens when an out-of-network provider bills you for the difference between what your insurance pays and the total charge.
- Out-of-network refers to providers and facilities that do not have a contract with your insurance plan. Costs from out-of-network providers may exceed in-network rates and may not count toward your annual out-of-pocket limit.
- Surprise billing is an unexpected balance bill. This may occur in emergencies or when you receive care from an out-of-network provider at an in-network facility without your knowledge.
You Are Protected from Balance Billing For:
- Emergency services: If you have an emergency medical condition and receive care from an out-of-network provider or facility, the most you can be billed is your in-network cost-sharing amount (copayments, coinsurance). You cannot be balance billed for these services. Post-stabilization services require written consent to waive these protections.
- Certain services at in-network hospitals or surgical centers: Out-of-network providers performing services such as emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist cannot balance bill you and may not require you to give up your protections.
For other services at in-network facilities, out-of-network providers may balance-bill you only with your written consent.
You are never required to waive your protections from balance billing and may always choose in-network providers.
Additional Protections
- You are only responsible for your in-network share of costs.
- Your health plan generally covers emergency services without prior authorization.
- Emergency and out-of-network payments count toward your deductible and out-of-pocket maximum.
If you believe you have been wrongly billed, call 1-800-985-3059 or visit www.cms.gov/nosurprises/consumers.
Your Right to a Good Faith Estimate
- Patients without insurance, or those not using insurance, have the right to a Good Faith Estimate for the expected cost of medical items or services.
- This estimate must include related costs such as tests, prescriptions, equipment, and hospital fees.
- You will receive your estimate in writing at least 1 business day before your service. You can also request an estimate before scheduling.
- If you are billed $400 or more above your estimate, you may dispute the charge.
- Keep a copy or photo of your Good Faith Estimate.
For more information, visit www.cms.gov/nosurprises or call 1-800-985-3059.
Patient Notice of Financial Assistance
Our practice is committed to quality care and helping patients manage costs:
- Payment at time of service: Insurance copays or self-pay amounts are collected at discharge or check-in.
- Eligibility & Enrollment Services (EES): Free assistance with government programs or Health Exchange coverage.
- Charity Care Program: For patients with household income below 400% of the federal poverty level and high medical expenses.
- Uninsured Discount Program: Discounts comparable to commercial insurance rates.
- Other programs: Medicaid/Medi-Cal, Temporary Assistance for Needy Families, Social Security Disability, Supplemental Security Income, County Indigent programs, and more.
This notice and the Good Faith Estimate are available in other languages upon request.
For questions, language assistance, or to apply for financial assistance, contact EES at 800-374-4637.
Our Services for Flexible Borrowing
The Blue Copper Difference
What sets Blue Copper Capital apart is how we approach lending, with clarity, respect, and a focus on what works for you.
People
First
It’s not just about the loan. We take the time to understand your situation and the person behind the application. You’ll get clear explanations, honest answers, and support at every step so you know exactly what you’re signing up for. Whether you’re covering an unexpected expense or managing cash flow, we’re here to help you make a confident decision.
A Better Way to Borrow
Our line of credit is designed for people who want more flexibility and fewer setbacks. If you’ve found yourself relying on payday loans in the past, this offers a more stable option. You can benefit from better rates, more flexible terms, and access to helpful resources, such as money management tips and client perks.
Built for Long-Term Relationships
We may offer short-term loans, but our goal is to build long-term trust. Many of our clients are individuals and business owners who continue to work with us because the process is clear and consistent. We’ve seen how the right support, even in smaller amounts, can make a meaningful difference over time.
Real Experiences, Real Feedback
We’re proud of the relationships we’ve built and the trust our clients place in us. Here’s what people across Alberta and British Columbia have to say about working with Blue Copper Capital.
What a customer service by Carolynn her communication was clear and friendly i would suggest everyone to be assisted by carolynn
Anatola Mhoamed
the personal service was good, timely responses too emails, clear isntruction
Mark
The experience with Paula and Carolynn has always been professional, personal and speedy. Appreciate all their help!
Patricia Darlington
How Do I Apply for a Loan?
In Person
Visit us in person at our Calgary or Edmonton location for an extra personal touch.
Online
If you need a loan that’s quick and easy, we’ve got you covered. Our online application tool makes applying for a loan simple and convenient.
Call Us If You Have Any Questions Before Applying
Give us a call, and one of our team members will walk you through the application process. Even from the comfort of your own home, we’re here to help.
Our Locations in Calgary, Edmonton, & British Columbia
Our SW Calgary Office
We’re conveniently located on Macleod Trail, just across the street from the north entrance of Chinook Mall. We are located on the second floor!
Where to Park
Free parking is available outside our office. We’re also walking distance from Chinook train station.
Our Address
- #203A, 5809 Macleod Trail SW
- Calgary, AB T2H 0J9
Contact Information
- Phone: 403-250-0232
Hours of Operation
*Closed on All Statutory Holidays
Our Edmonton Office
We’re conveniently located just off 87 Street northwest in the Commerce South Office Park.
Where to Park
There is parking available outside the building.
Our Address
- #200, 4803 87 Street NW
- Edmonton, AB T6E 0V3
Contact Information
- Phone: 780-918-4925
Hours of Operation
*Closed on All Statutory Holidays
Our British Columbia Team
Our virtual team in British Columbia is ready to help you with all your loan and line-of-credit needs. Call us or fill out our contact form to get started.
Our Address
- Online
- Vancouver, BC
Contact Information
- Phone: 778-874-9564
Hours of Operation
*Closed on All Statutory Holidays
Our Simple Loan
Application Process
1. Apply: Complete your application online or in person with a few key details.
2. We Review: We confirm receipt and reach out if we need anything else.
3. Get Your Offer: We’ll review your loan options with you, including rates and terms.
4. Make an Informed Decision: Take the time to review everything and decide what works for you.
5. Sign and Receive Funds: Complete your paperwork electronically or in person, then receive your funds in your preferred way.
Let’s Find the Right Option Together
Not sure about interest rates, repayment timelines, or whether a payday loan is the right fit? We’ll walk you through it and help you clearly understand your options.
Short-term loans can help when timing matters, and we believe you should have all the information up front. Some conditions apply, and we’ll make sure you know exactly what to expect.
At Blue Copper Capital, we focus on more than lending. We’re here to support you today and help you build a better path forward when you’re ready.
Call us to speak with a team member about your options.
Contact UsReady to Apply?
Questions?
Tired of Payday Loans? Get a Line of Credit
A line of credit is a solution for borrowers who are consistently repaying payday loans. Additionally, a line of credit is an excellent option for business owners who need quick access to capital.
Once you get a line of credit with us, you’ll get discounted rates and more flexible terms on every loan you take out. Members also receive free money management tools and tips, as well as access to exclusive events and gifts.
Our Monthly Giveaway Winners
Sign Up For Our Newsletter
