D. Marden

The Affordable Care Act (also known as Obamacare) requires all plans to cover emergency services. Under this legislation, insurers cannot charge you more for going to an out-of-network hospital or health care provider. In addition, insurers cannot require you to get pre-authorization before getting service.

Health insurance plans are typically offered in the following categories: Bronze, Silver, Gold, and Platinum. Each plan will provide varied coverage for healthcare bills.

Catastrophic health insurance coverage is also available for individuals under 30 or individuals of any age with a hardship exemption or affordability exemption (based on Marketplace or job-based insurance being unaffordable).

Catastrophic health insurance is a type of health plan that offers coverage in emergencies and coverage for preventive care.

Several factors determine the high costs of ER visits. No sole factor is singularly responsible for the price of an ER visit. Rather, the intermingling of each of these factors contributes to the high costs of an ER visit.

Every emergency room has various costs for supplies and employees depending on:

Insurance status and categories greatly influence how much the patient has to pay out-of-pocket. For instance, health insurance plans with low monthly premiums may have a cap of around $250 on emergency room expenses. With ER costs ranging from $150-$3000, less extensive insurance plans may only cover the most basic ER visits.

In addition, patients should also note the “in-network” or “out of network” emergency rooms with your insurance plan. Out-of-network ERs will not be covered by your insurance plan and will undoubtedly cost more than in-network ERs.

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