As an expert in the emergency room services field, I have received numerous complaints from people who have a feeling that emergency rooms are exaggerating their costs. People feel that these bills are normally notoriously high. People find it perplexing when they are given their bills weeks after treatment because they feel that the amounts are exaggerated to some extent. People who have never been to an emergency room before end up writing back to the institutions because they feel their bills were misquoted or are erroneous. The big question however is how do these emergency room bills work? Why do they look exaggerated at times?
Everytime you walk to an emergency room, you are required to complete very long forms providing information about your health insurance and funding means. A copy of your insurance card is then filed together with the filed form before treatment begins. Do you know what happens afterwards though? What would happen if you had no insurance cover? How does this emergency billing work?
The first important fact that we have to point out about emergency rooms, is the fact that everyone is expected to be given emergency treatment whether or not he/she has insurance. Some people are given treatment even if they can’t afford it. This prompts emergency rooms to set up gross charges to be quite high in-order for them to compensate the payment of the less privileged.
The other important thing you should know, is the fact that the hospital and the issuer of your insurance do bargain to come to terms on the amount of money payable for your emergency room treatment. The amounts of money quoted on your bills are not what insurance ends up paying to the hospital. They pay way less than you can imagine. I know of cases where patients had quotes of $5,000 but the insurance paid a paltry $650. Contract negotiation at its best!
From this $650 for example, depending on what plan you are subscribed to, (in terms of medical insurance) you will then be required to pay a portion of the amount say $100 or pay a co-payment. This depends on the terms as stated by your insurance company.
Everyone who is covered by a health insurance receives emergency room benefits. Each and every health insurance I know of in America includes benefits for emergency room visits for all its subscribers. This doesn’t restrict you to a particular institution as well. You are free to visit an emergency room of choice at any one point when you are experiencing a medical condition that needs you to visit the ER.
When it comes to the charging itself, there are a few factors used to come up with the final cost of an emergency visit. An emergency room will charge you for every single service you receive. Minor or insignificant as it may seem to you, that MRI scan will be included in your final bill. This is why you normally receive very many bills from separate departments especially in hospitals. Each Emergency room department in a hospital will separately provide a quotation of the amount of money they feel you are supposed to pay. This is normally because most departments in hospitals are separate legal entities and as such, each has its own bill attached. Standalone emergency rooms like Bellaire Emergency Room though normally have only two or three claims in the final bill for your visit because the whole institution works under single management. The only claim perhaps comes from the physician.
Besides being charged for every single service you receive in an emergency room, you will get a final bill corresponding to the severity of your medical condition and the complexity of the treatment you received. In Bellaire Emergency Room for example there are 5 levels of care. From level 1 to level 5. Level 1 care is meant for ‘minor’ problems like earache while level 5 care is meant for far complex issues like broken bones and trauma. The cost rises as you go up the treatment chain but we at Bellaire Emergency Room always offer cheap and affordable services through all the levels.
We hope that you now have an idea on how emergency room billing works in Houston. If you are in an emergency situation and need some quality treatment from an emergency room, think about Bellaire Emergency Room. We have qualified medical practitioners who are friendly and will help treat you quickly and relieve you from any form of ailing. Our emergency room is equipped with the latest medical facilities and you can therefore expect nothing short of the best treatment from us. We accept most of the insurances in the US and all our customers can testify that there are literally no problems when it comes to billing. Visit us today for the best possible care in Houston.