subject: Medical Insurance - What Kind Of Medical Insurance Covers Er Visits? [print this page] A serious medical emergency can happen to anyone at any time. In the United States, it is generally not lawful for a hospital or other caregiver to refuse to render life-saving aid to those who need it, even if they do not have medical insurance. As a result, people can find that they have been treated at the emergency room and in the Intensive Care Unit and are liable for the entire cost of the services that they needed. Although insurance information is gathered as soon as possible, hospitals cannot allow patients in mortal danger to leave their facilities.
Emergency room visits can be among the most expensive medical encounters possible. Since people only go to the emergency room when they are in serious medical peril, the treatments required may be radical. For this reason, they can be very expensive. If you have ever seen footage of someone being airlifted to a hospital on the evening news, you can imagine how pricey this can ultimately be. Yes, if you are medically evacuated, then you are likely to be liable for that cost as well! Luckily, medical insurance can help you to defray some of the most severe emergency costs.
It is true that most people associate emergency room visits with sudden medical complications brought on by old age. However, it is a good idea to have some medical insurance coverage for emergency room visits regardless of age. Policyholders aged thirty or older are wise to add emergency room coverage to their health insurance plans. Even a small amount of coverage can be extremely helpful, for all the reasons cited above. Plus, having insurance makes it possible to negotiate better terms of payment with the hospital even when you must pay out of pocket. This can be a tremendous help in financial recovery.
Public health care options such as Medicaid and Medicare are popular partly because they help patients avoid emergency room disasters. However, other forms of medical insurance can also help you have peace of mind in the event you must use an "ER" or Intensive Care Unit. Generally, it is a good idea to raise your level of emergency room coverage every few years. This will help you remain protected in the event of a serious and unforeseen incident. Whether you have insurance or not, it will be a hospital's goal to get you home safely as soon as possible -- but costs can rack up!
by: vewiser
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