When you"re not feeling well, it"s easy to panic and rush off to the emergency room (ER). There is no denying that the ER is the best option for true medical emergencies. However, knowing when you should go, and learning what to expect once you"re there will help you get better care and may help you avoid huge medical bills and long waits.
Urgent Care Center or ER? The first question to ask yourself is if you"ll be better served at an urgent care center, or the ER. The ER should be used for serious or life-threatening conditions.
Go to an Urgent Care Center if… If you have a cough, broken bone, burn, cut that requires stitches, or a stomach virus, think about going to an urgent care center. The wait times are much shorter, and both copays and overall cost to you are lower – often dramatically lower.
Once you"re at an urgent care center or ER, be prepared to share any medical information that might help. This can include a list of your current medications and supplements, as well as details about allergies, previous hospital stays, prior surgeries, chronic illnesses, family health problems, and vaccinations.
Keep this information stored in your phone or in a readily available place at home so that you can grab it quickly.
Keep Your Insurance Papers Ready The Affordable Care Act requires insurance companies to cover ER care for emergency medical conditions. You won"t need to get approval for the care ahead of time, and you"ll get the care even if the facility is outside of your insurance network.
But if the problem is not an emergency, you may be better off getting the care with your regular doctor, or if the office is closed, at an urgent care center.
Finally, after an ER visit, make sure to review your ER bills in full. Most insurance plans cover ER fees for genuine medical emergencies, but you may still need to submit paperwork to your provider, particularly if you are treated by someone outside of your network, or if it is judged to be a non-emergency condition.
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