One Question to Ask in the Emergency Room

When you’re being rushed in to the emergency room after an accident, one of the furthest things from your mind is asking that doctor if they take your insurance. However, in reality, this is one of the first questions you should ask. Most people don’t realize that they can be out of network with the doctors who are saving their lives, or even worse, the hospital in which their life was saved.

Unfortunately, you can’t assume that the physician who is caring for you is in your network. If you’ve ever spent an extended amount of time in the hospital, you know that many different doctors pop in and out of your room all day long. So it’s up to you to ask if they take your insurance; if not, be prepared to pay.

States such as California are making sure patients no longer get bills from out-of-network doctors. As of last month patients will be able to rest easy knowing that if their insurance is in network with the hospital they are in, they will not be treated by any out-of-network doctors. This law is designed to help the patient. So many people are getting hit with out-of-network doctors’ bills, and with the price of insurance already being extremely high, it’s important that we do everything we can to keep costs down.

What do you think about this law? Have you ever had this happen to you? Do they do this in in your state?

 

To learn more about choosing your insurance pick up my workbook Easy Healthcare: Choose your insurance.

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