Health insurance Medicare Your Coverage Options

Two tips for keeping your emergency care costs down

Written by Diane Archer
Believe it or not, there were 424 emergency room visits for every 1,000 people in America in 2012, up more than 10 percent in the last decade.  And those visits can be very expensive if you’re not prepared. Medicare always covers emergency room care.  So, should all private health plans.  Here are two things you can do now to keep your emergency care costs down.

  1. Find a local ambulance that your health plan covers and keep the number in a safe place.  If you don’t use an in-network ambulance, your costs could be exorbitant.  If you have traditional Medicare, be sure to use a Medicare-certified ambulance.
  2. Call your health plan to understand your out-of-pocket costs for emergency room care and what you can do to minimize them.  While you are guaranteed some protections under the law, it is best to know your health plan’s rules. If you are in a Medicare Advantage plan, you will be covered for out-of-network care in an emergency for emergency department services. Your health plan cannot bill you more than $50 for those services. Medically necessary follow-up care is also covered when your health is endangered.

For more information, visit Medicare Interactive.

If you like this post, you might also like this:

Two Ways to Make Sure Medicare Pays for Your Ambulance Services


1 Comment

  • Thank you for this website. I am already in deep debt because of my Asthma. I can’t afford a doctor for treatment so I have to be rushed to the hospital by ambulance, or I drive myself which is dangerous when I can’t breath too well. 
    I looked into ACA but I can’t afford it because my SSI is so low & my 401k came too late in my life, and was damaged in the crash.

Leave a Comment

Read previous post:
Medicare: Its Beginnings

On July 30, 1965, almost 50 years ago, Congress enacted Medicare to ensure that older adults had health insurance.  Back...