How To Visit An Emergency Room Without Insurance Card

How To Visit An Emergency Room Without Insurance Card

If you are being rushed to the emergency room, you are probably too injured or even unconscious to hassle with emergency room administrators on how you are planning to pay for your care; even if you don’t have a medical insurance cover. Luckily, the Congress passed a bill in 1986 that gives patients the right to emergency care regardless of their ability to pay.

What Is A Patient Entitled To?

Emergency rooms are required to attend to the life-threatening situations first before anyone else. Life-threatening conditions include continuous bleeding, heart attacks, unconsciousness, fatal injuries, very deep cuts, head trauma, trouble breathing, and so on. Legally, if you went into an emergency room with no life-threatening cases, and you have no medical insurance or any means to pay for the services, then the emergency room is not required to treat you. Instead, you will be directed to your primary health care provider or the community health clinic since your condition is tolerable.

On the other hand, if you come into an emergency room with a life-threatening condition, the emergency room facility must provide the patient with three things: screening, emergency care and treatment, and appropriate transfers. An emergency room will be required to provide stabilizing care to the patient even with the inability to pay. In fact, they mustn’t inquire about the ability to pay until the condition stabilizes.

Little known to some patients, insurance plans differ depending on the agreements, premiums, and plans. Your insurance company is likely not to consider all emergency conditions as emergencies. Following this, you might find yourself in the heat with your insurance company claiming not to cover for the given emergency care. In such a case you will have to pay everything from the pocket.

So How Do You Visit An Emergency Room Without An Insurance Cover?

Evaluate Your Condition

Emergency rooms normally charge quite high for their services. Also, you are likely to wait for long if you don’t have an urgent condition since emergency rooms serve on “urgent cases first” basis. But if you still feel you need to go to the emergency room without insurance, you can call ahead and inquire about their charges and then gauge how your pocket can manage the expense. You could also ask if there are any discount rates for the services you need. If the discount rates are not available and the estimated costs remain expensive you could consider other medical facilities such as the urgent care centers, community clinics, and public hospitals.    

However, if you go to the emergency room with a life-threatening condition the emergency room will receive you and stabilize your condition as required by the law.

Awaiting Treatment

The emergency room will administer treatment immediately since they cannot delay screening or treatment in order to ask about the payment procedure or insurance status. The patient is probably unconscious and they cannot wait for the condition to deteriorate because they don’t have the insurance details. The hospital administration will inquire about the insurance status and payment details once the assessment of your condition is made and the condition has been stabilized. At this point, the patient is conscious and can communicate properly.

Patient Transfer

If the emergency room confirms that it does not have adequate facilities to administer stabilizing care to the patient, he or she will be transferred immediately to another hospital. Both hospitals have to agree to mutual consent about the patient’s care.

Decline To Treat

An emergency room that is not part of Medicare and is run for profit-making reasons will probably decline to treat you if your condition is not life-threatening. If you came into the emergency room with flu, cold or a small bruise, and you claim that you don’t have the ability to pay, the hospital administration might decline your admission. In such a case, it would be wise to visit a free clinic run by the government or a non-profit making hospital.

Why Frontline ER Is The Best

Frontline ER has highly qualified and experienced physicians and medics to help stabilize life-threatening situations. The hospital is dedicated to providing a serene and homely environment for both patients and their families as they await treatment. The emergency room is open 24/7 dedicated to serving everyone, at any given time or day ready to handle the emergency. Moreover, Frontline ER is equipped with state of the art technology to enable quality treatment, especially for the urgent conditions. Your health comes first. 

Parting Shot

Having no insurance cover or money, and you are suffering from a life threating condition, shouldn’t be reason enough to stall away from going to the emergency room. If you feel like your life is on the line even without thinking about the payment method, just dial 911 or head to the emergency room immediately. Your life is priceless. 


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