Surviving ER Expenses Without Insurance

Learn how to survive ER expenses without insurance with ancillary products like hospital indemnity insurance. Find out more about insurance FMOs in this video.
ER Costs Without insurance- Call us at iHealthBrokers at 888-410-0344. Our services are 100% FREE

★☆★ABOUT THIS VIDEO★☆★
0:00 Intro
0:17 ER Costs
1:24 Healthcare Bluebook
3:14 ER Alternatives
4:25 Big Bills!
4:58 Insurance Options
7:11 Final Thoughts

Estimating ER costs is really, really difficult because there are so many factors and fees that come into place. You will automatically be charged a facility and triage fee to be admitted and assigned a room. This could be anywhere from a few hundred to a couple of thousand dollars.

Your bill will be affected by your state, the severity of your condition and even the time of day you visit the ER.

Make sure to stay tuned because we will discuss what to do if you are hit with a huge ER bill and of course how to avoid them in the first place.

So, check out the healthcare bluebook to learn more but some states are of course more expensive than others. Studies indicate that states like Maryland, Maine and West Virginia tend to have lower, on average, ER costs and states like California, New Jersey and Florida tend to have higher on average ER costs.

If you visit in the middle of the night it will also be more expensive.

Across the US, the average cost of an ER visit hovers somewhere around $2200. However, it is estimated that over 25% of bills will be over 3K and if you need surgery, without insurance, it could be upwards of 20K!

Going to the urgent care or your PCP is much less expensive than going to the ER. So, know where to go and when.

If you are still stuck with a big bill, work out a payment plan with the hospital. They may also be willing to negotiate. A large amount of hospital bills go completely unpaid and they are sometimes willing to take less than the total bill.

And of course, make sure you ask for an itemized bill and double check the coding. There is a staggering amount of incorrect medicals due to coding errors.

Insurance
The truth of the matter is that insurance is really there to help you avoid big bills such as unexpected ER visits. And there are plans that are inexpensive that could help you avoid thousands of dollars of medical debt.

ACA
You can enroll in a plan through the marketplace. With premium tax credits, many people are eligible for plans less than $10 per month. And if you are someone who winds up needs surgery after an ER visit, you will be very happy to have a plan in place with an out of pocket maximum.

Catastrophic Coverage
You could also look into a catastrophic coverage plan. These are low premium, high deductible plans. You may not utilize your coverage on a regular basis, but will at least have protection should you have major medical needs. These are available on and off the marketplace.

STM
And of course, there are short term medical plans. These are private health insurance plans that are usually available for a period of up to three years. If you are ineligible for a premium tax credit through the marketplace, you may want to consider a STM.
There is medical underwriting, but if you are a younger, healthier person, you will likely have access to a lower cost plan with benefits and protections from major medical bills.

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[Christopher-hgyi]

Bottom line is bite the bullet and get health insurance

[catspaw]

Thank you for the info, iHealthBrokers. I was charged $6345.00 for a simple procedure, a thorocostomy (chest tube insertion, for a collapsed lung - CPT code 32551) in an emergency room. The Medicare reimbursement rate as of 1/1/2025, ranges from $157.89 - $172.50. In other words, the hospital charged approximately 36 to 40 times the Medicare rate. Then they charged me $4334.00 for aproximately 26 hours in a hospital room, 2 PM Thursday until 4 PM Friday. On top of that they found another $10, 000 in laboratory, (a mystery) x-rays, CT scan, (unnecessary) EKG and pharmacy charges. The pharmacy charges ($86.00) were for extra-strenth Tylenol. They also upcoded my evaluation. Hospital pricing is completely arbitrary and gouging is the norm

[leotimtom]

You can fly to any existing country on this planet and get medical help for a fraction of US desperate capitalism prices.