Post # 1
I ask this, because I work in the lobby as a clerk. People ALWAYS seem shocked when their copay is upwards of $250.00.
What they don’t realize is that the ER copay is going to be way, way, way more than they would pay at a doctor’s office/urgent care because insurance companies want to discourage the use of the ER as an outpatient service care.
I cannot tell you how many people I have seen this week alone with ‘flu symptoms, sore throat, runny nose, cough, etc.’. Drives me bonkers. And then, they complain about the co-pay! When they came to the Emergency Room for sniffles!!
So, just out of curiosity, how much is your ER copay, if you know? (Personally, my ER copay is $0 because we get insurance through our company, and they waive the copay and xray fees- however, I would not come to the ER unless I was literally dying; if there’s an urgent care within 50 miles, that’s where I’ll go.)
Post # 3
Mine is $100. But you are exactly correct, plans charge more for ER usage to discourage frivilious visits. Because ER care/hospital care is EXPENSIVE!
I work for a health care company – we are constantly working on new ways to introduce people to Urgent Care Centers and encourage them to get regular check-ups and preventative care in order to drive down unnecessary ER usage.
Post # 5
$100 here but i refuse to go unless im dying. I fell down the stairs in November on a Sunday night and refused to go to ER because i wasn’t completely convinced My hand was broke and didn’t want to pay $100 and wait 5+ hours. Went to urgent care the next morning and found out i actually did break it but only spent $25 and was in and out in 1 hour.
Post # 6
I’m not sure what it is on my PPO right now, but at my old employer, I was on HMO and ER visits were like $50. Maybe it’s because we have a high cost of living here bc we were willing to pay that instead of waiting for urgent care. I actually want DH to go get HMO so we have dual coverage bc of the lower ER costs.
Post # 7
Mine’s 0 since all basic health care is “free”, but it drives me nuts seeing people in the ER that don’t need to be. Last time I was in (suspected appendicitis) there was a guy there who just needed a new doctor’s note for skipping work because he had a sprained ankle three weeks ago… umm… not sure what part of THAT is an emergency.
Post # 8
$0 but it’s a high deductible plan, so the copay is waived if the deductible hasn’t been met. Otherwise, I think it’s $100 or $250. Can’t remember. I think upwards of $500 is a pretty standard ER copay – but I guess I’m used to it since I work in the industry.
Post # 9
Mine is $100, unless you are admitted to the hospital in which case it’s free. I had my first visit ever this year for hypertensive crisis so I guess that qualifies as an emergency lol.
Post # 10
We pay full price up until meeting the $5000 deductible. Then we pay 30%. Yup.
Post # 11
Mine is $0. But I refuse to go unless it’s a real emergency. Last time we were there was over the summer when my husband got stung by a wasp and we discovery he was allergic. He was having trouble breathing so we went. But there were people in the waiting room who basically just waltz in for a basic doctor’s appointment.
Post # 12
i think mine is $50.
with my old insurance, it was $150. unless i went to the hospital where my mother works, since the insurance was through them. if i did that, they cut it in half. i don’t know why, but that’s how they do it.
@Meowkers: the reason for the people coming in for minor things is either a) their doctor’s office couldn’t fit them in and said ‘just go to the er’, or b) they don’t have insurance and because of that, they don’t have a regular doctor, or c) they’re on the public health system and don’t have a regular doctor/don’t want a regular doctor.
Post # 13
$100 – I had to go get my card to check, which is good because it was not in my wallet and we have an appt tomorrow so I’m glad I figured that out now instead of at the pediatrician 🙂
Post # 15
Not sure with my current insurance, but with my old insurance I had a 50 dollar co-pay.
Post # 16
@AcheneMalefic: Nadda….I work there. I won’t go unless I’m near death. I think if I go somewhere other then work, it’s $100.