If you have visited the emergency room recently, can you help me gut check something? After insurance, what was the (approximate) cost of your visit? Just the charge for being seen in the ER, not any additional X-rays, medications, etc.
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It used to be $100 for us with old insurance. I think now a high deductible plan it is closer to $200
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ER is $150 copay for me, but always check if there is an Urgent Care + (or something like that) ours is $75 and can do most things. If they refer you on to the ER they still charge you the UC copay (at least at my hospital).
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our ER copay is $100 and $70 for urgent care and that is all we pay unless we are admitted to the hospital
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I have really good family health insurance since i'm a state employee-- emergency room copay is $25. If you are admitted, my max OOP cost for the entire year is $400/individual OR $1000 for the family.
However, when I lived in another state, my ER copay was $250 and my max OOP for the year was 6k just for myself. I had a year where I had 3 ER visits (for an esophageal stricture that it took a while to figure out), and I paid in the thousands for every visit.
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I was in the ER a month ago and was terrified of the bill. I have no ER copay, and insurance covers 80%. I fretted over how much the hospital would bill for, but the final cost for me ended up being a reasonable $150. My urgent care co pay is $25. I had gone to UC first, but they were not able to help me much.
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My ER copay is $500. Urgent care is $40
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We don’t have a copay ... I think the most we have paid was ballpark $500 or maybe a little more. I will say though, that they always try (in our area at least) to get you to pay upfront while you are there and they were telling me it was going to be thousands since we were there for breathing issues which is some higher trauma level or something - he was not in any serious distress so I planned to fight it with insurance and only paid a token amount then to get rid of the billing person. Turned out it was never that high cost they tried to get me to pay.
All this to say if you’re seeing something crazy, always call your insurance first and talk it over and then call the hospital if needed. I’ve gotten insurance to adjust lots of things. Also in that situation if you’re being billed for anything out of network you can fight to change it for an emergency.
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It’s been a few years, but we had a high deductible plan, and paid $1K. #silentcrying lol
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We have a high deductible HSA so pay out of pocket until we hit the deductible, my son recently got stitches in the ER and we paid $747 to the ER and $683 to the ER doctor. Jealous of these low copays some people have!
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My copay is $250.
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@HappyBaker: wow that’s crazy for stitches! Was it a plastic surgeon? We did our last stitches at urgent care but preparing myself for the future with a kid who is constantly doing crazy stuff ...
We Have an option for a plan with an ER copay but the premiums are so much more it isn’t worth it. I hate medical costs!
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@bhbee: nope in fact it was like a super junior doctor! It was too deep for urgent care or our peds office which would have been much cheaper. He needed like ten shots of numbing meds and our insurance kind of sucks in general!
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@bhbee: and yea with 3 kids we always end up meeting the deductible and out of pocket max by April or May, and then everything is covered 100%, so it’s still cheaper than the higher premium copay plans offered to us!
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@HappyBaker: ugh that’s awful. I seriously just have to try not to think about how much we spend on medical costs that could be going to college funds or vacations ...
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Average $1000 on a HDHP. That's 4 ER visits. United Healthcare, Choice Plus plan.
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We have a deductible plan, and for DH to sit in the hallway of our only local ER, see a PA for ~5min and leave with some vicodin and anesthetic patches (back spasms) was close to $1500. I believe the general fee before the meds/physician was ~$1200.
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Our insurance says $200 copay, waived if admitted. Then I guess it goes to hospital in/out-patient, 100% covered after deductible. And our family deductible is $2000.
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$30-50. Unfortunately, with asthma, we are frequent fliers. But luckily, we have good coverage.
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Our copay is $100 and then it all goes funky from there - diagnostic, admission, outpatient, treatment, doctors fees... I never know what to expect!
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@lady baltimore: I think it depends on your type of plan. I have a high deductible plan. I have to pay everything out of pocket until I hit my deductible ($3,000). Then I only have to pay 10% until I hit my out of pocket max ($6,000). Once I hit that everything is paid 100% by insurance.
I didn't have an ER visit, but we did have an urgent care visit for one son who needed IV fluids. I think we spent around $800 for that day.
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This is like comparing apples to oranges! It might help to specify what type of plan you are talking about: HDHP, PPO, HMO, in-network etc.
For some PPOs and HMOs, ER copays can be super low $0-$100. For people with HDHPs, they are going to basically get hit with the negotiated rate of the ER visit and associated costs until they hit their deductible. For an individual or family that most likely be in the thousands of dollars. In some cases over $10K depending on the plan.And the answer to this question doesn't mean you have "good" coverage or not if you have to pay more or less in the ED, or have a higher deductible etc (I'm just throwing this out there, I know you're not asking this OP). HDHPs get bad raps. In some cases they are shit coverage, but PPOs and HMOs can be as well. Its mental accounting for some of these plans, i.e. higher monthly costs but lower copays, etc vs lower monthly costs and higher deductibles.
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We have a 7k family deductible, 3k per person. So I’d guess we would have to pay like $1k for an ER visit
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Last year OH had a visit to the ER. Just being seen was $600 or $700. He goes through the VA for his healthcare, so the cost was without any insurance.
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23 comments