Getting Emergency Care

Getting Emergency Care

If you have a medical emergency, call 911, and seek care from the nearest hospital. Always go directly to the hospital. There is no need to get the insurer's prior approval for treatment.

Also, the insurer cannot charge you more for receiving emergency room services from an out-of-network provider. Typically, if you seek treatment at a provider outside the network, the insurer charges you a higher copayment or coinsurance. However, in a real emergency, the insurer does not charge this penalty.

Copay is an amount you pay the provider at the time of service. Coinsurance is a percentage of the hospital bills for which you are responsible. Health insurance plans put a maximum out-of-pocket limit on your health insurance costs. After you paid a specific amount for the year, the policy will cover 100% of all charges.

How much will I have to pay?

The amount you pay for emergency services depends on a few factors.

First, the plan you choose can affect how much your out-of-pocket expenses will be. A bronze or silver plan will have higher coinsurance, deductibles, and copays than a gold or platinum plan.

Then, the cost can also depend on which hospital you seek treatment. They may have different prices than other nearby hospitals. Also, they may have special rules in place that affect prices.

Where Can I Get the Lowest Price on Health Insurance?

AARDY is the nation's fastest health insurance market. We can help you find the best health insurance plan. Our service compares Affordable Care Act and Short Term plans so you can find the best fit.