I had to take my son to the Celebration Hospital ER during our visit last summer. They saw and treated him without payment up front from us. I had to show my insurance card when we checked in, and they had everything worked out with our insurance company by the time we checked out. I only had to pay my co-pay before we left. Disney arranged for a taxi to take us to and from the hospital at no cost to us, which was certainly helpful considering how distraught I was when my son became so ill.