Emergency Room Coverage – When to Use It

Emergency Room Coverage – When to Use It

Emergency room (ER) visits in the US are extremely expensive. This is true even for minor non-emergency problems like allergy, cold and fever. The ER charges are notoriously high owing to the 24-hour high running cost of all medical equipment and personnel. Just for using the Emergency Room facility, you end up paying a huge amount for normal check-ups and tests like X-Rays and blood work. The same check up and tests can be done in an urgent care or doctor’s clinic at a much lower cost. Below is a comparison of the Emergency Room and Urgent Care and when you should use one over the other.

Emergency Room Charges Covered for Major Emergency Situations:

Most visitors insurance provides Emergency Room coverage charges for any major medical emergency situations. However, expenses incurred in an emergency room, for non-emergency situations, may not be fully covered or may have limitations. Read and understand your policy for benefits related to ER.

Only Go to the Emergency Room for Major Emergencies:

If someone has a major injury or a life-threatening sickness, they should use the Emergency Room. For example if someone has a heart attack, head injury, or has a major accident, you should take them to an ER. The ERs of big hospitals are better at dealing with such life threatening situations, which might require multiple specialists, physicians and surgeries.

Choose an Urgent Care Center for Non-Emergency Medical Situations:

Not only are ER visits expensive, the waiting time in the Emergency Room, on average, is quite long. If someone has a serious but non-life threatening medical condition like a fever and vomiting, allergies or minor injuries, that can be treated at a physician’s clinic, then it is advisable to go to Urgent Care. Not only does it save you money, it also saves you from the hassle of a long wait in the ER.

If you go to an Urgent Care and the doctors determine that the situation is indeed life-threatening, they would themselves call the ambulance and send you to the nearest ER. In that situation, the insurance company would pay for the Emergency Room charges for covered services.

You should make the right assessment of medical situation and make the right decision.

Explore our travel insurance section to determine which policies will provide you with Emergency Room coverage, and can cover you for major injuries during your travel to the USA. If you have additional questions about emergency room coverage, email us at support@visitorscoverage.com.

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