(Closed) How much is your ER copay?

posted 8 years ago in Wellness
Post # 32
Member
4654 posts
Honey bee
  • Wedding: August 2013

Not sure anymore… the only time I’ve been was when I was uninsured. I cried on the way to the ER. My friend who was taking me said “hey it’ll be OK, they’ll fix you up” and I told him I wasn’t crying because it hurt, I was crying because of how much it was going to cost.

I had chopped a chunk of my finger off on a meat slicer and it didn’t stop bleeding for ages. After waiting a couple hours to get into care (at which point it was still bleeding) they had to numb it just to clean it (it was really freaking painful) and also had a tough time getting it to stop…

I ended up bleeding into a bowl (!) for a bit before they went with packing on a bunch of surgicel (stuff they use to stop bleeding on like… battlefields and post surgery and stuff) and they still had to get a tech to put pressure on it for 15 minutes straight before they felt comfortable that it had stopped.

It’s not like there was even anything to stitch. So all they did was catch the blood for a bit, then wrap it up with a fancy blood-stopping bandage. Nothing extreme.

They billed me for $750!!!!

I called them and explained that I was a broke college student and my family was poor and I had no access to that kind of money, and the woman on the phone asked for a few details about income and said I qualified for a special rate, as long as I was able to pay within 7 days.

I asked, what rate? She said “If you are able to pay within 7 days, your new total balance is $125.”

I paid over the phone on the spot of course, but I still wonder what on earth kind of discount does that and where the original number came from, if $125 is OK too.

(It’s much nicer now I’m living in Korea, national health insurance makes healthcare actually affordable, I love it.)

Post # 33
Member
234 posts
Helper bee
  • Wedding: October 2013

Mine is $250. I will only go there in dire emergency- the last time I went was when I was in a car accident and was transported by ambulance. There are always too many people waiting there to make it efficient anyway. Sadly, a lot of people where I live do not have health insurance and use the Emergency room as their backup ‘doctor’ for whenever they get sick. The emergency room is required to treat them but is not required to make them pay, so if the person cannot afford to see a doctor, sometimes that is the only way they can obtain medical care. Especially if they fall between the cracks- making above the financial limit for public assistance but not making enough to pay the premiums for insurance on top of life expenses. It’s really very sad.  

Not to mention that at any given time (depending on what time of day/part of the week it is), there’s a good portion of the Emergency room that is being used as a “drunk tank” where the police bring people just to sober up. They are too drunk to be left alone, haven’t broken any laws to be arrested (or maybe they have, but can’t be in jail because they need medical supervision) so they take up beds and nursing time while there are other sick people waiting to be seen.  After my car accident, I was in a bed in the HALLWAY of the ER with no privacy waiting to be treated, while 2 rooms were occupied by people who were drunk and/or on drugs who were sleeping it off. 

 

If people had more options for low-cost treatment 7-days a week, I think the emergency rooms would be less crowded and maybe the co-pays for those of us who do have insurance and who use it the way it was intended- for Emergency only- could be lowered. Too many people just feel that they are out of options or fall between the cracks.  Everyone should be able to be treated, but it’s aggravating when people misuse the system also.

 

Post # 34
Member
30 posts
Newbee
  • Wedding: October 2014

I’m not sure what my co-pay for ER is right now. 

I wait to go to the walk-in/urgent care; unless it’s a true emergency. They have always been helpful and knowledgeable. 

Post # 35
Member
8683 posts
Bumble Beekeeper
  • Wedding: September 2013

I believe mine is $100

Post # 37
Hostess
7547 posts
Bumble Beekeeper
  • Wedding: January 2013

Mine is around $200. Do you live in a small town? Why wouldn’t people with colds go to  urgent care if they don’t have a doctor or if their doctor’s office is closed? 

Post # 38
Member
186 posts
Blushing bee
  • Wedding: August 2012

View original reply
@AcheneMalefic:  

It really depends on the state whether or not Medicaid reciepients can utilize urgent care. I specificially work for a managed care company that operates in several different states and our members are encouraged to use urgent care for non emergent situations – because they will accept Medicaid.

With all the progress that the Affordable Care Act is making, I am sure that over utilization of ER care will be on the decline as more health care consumers are educated about health insurance and how to use their benefits! And since states are just now looking at re-working their Medicaid plans, I am sure more and more are going to revamp their programs in order to discourage ER usage too.

(and no everyone – this is not an invitation to discuss the merits of the ACA or whether or not you agree with it)

Chin up girlie!!! 

Post # 39
Member
13903 posts
Honey Beekeeper
  • Wedding: November 1999

Mine is $100, unless admitted to the hospital, then it’s waived.  I always go to Urgent Care if I need to see a doctor but I’m not bleeding from the head (my doctor takes forever to get appointments)

Post # 40
Member
149 posts
Blushing bee

Mine is $100.  I’ve actually been more recently, because my doctor’s office just told me to go to the ER because I was having dizzy spells and chest pains and they didn’t want me to have to wait to get into their office. 

Post # 41
Member
441 posts
Helper bee

Mine is $100, but my insurance covers it if I get admitted to the hospital.

Post # 42
Member
259 posts
Helper bee
  • Wedding: March 2014

$200. I had to go recently because I was having bronchospasms and I couldn’t breathe. It was a Sunday night, so the ER was the only thing open.

Post # 43
Member
9129 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@AcheneMalefic:  $200 or $250 copay with my insurance. I agree that it is to encourage you to not use the ER unless it’s absolutely necessary.  I always try to use the Urgent Care over the ER whenever possible and my copay for that is only $40.

Post # 44
Member
3695 posts
Sugar bee
  • Wedding: May 2012

Mine is $50 unless I’m admitted, then it’s waived.  However, I’ve never been to an ER.

Post # 45
Member
605 posts
Busy bee
  • Wedding: April 2015

$75 at the hospital I work at and at our associate hospital. It’s $150 at out of network facilities.

I agree, people come to the ED for ridiculous stuff. I’m a nurse that used to work ED and critical care. It always blew my mind how many times people would come in with a toothache they’d had for a couple of months. Crazy! And people wonder why ED wait times can be so long!

Post # 46
Member
10355 posts
Sugar Beekeeper
  • Wedding: September 2010

$10. It’s free if i’m admitted (yup, that’s a ten, not a typo).

I once had to go to the emergency room without insurance ant it was $500.

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