5 Dos and Don’ts of Using the ER

Emergency Sign With Copy SpaceCall any doctor’s office and you’re likely to hear a message like this: “If you are getting this message and need medical attention, call 911 and go to the nearest ER.” Should you follow this advice? Not always.

The ER can be very expensive, time consuming and not always the best place to go for basic medical care.

There are some basic Dos and Don’ts when it comes to the ER.

DO go to the ER when:

  1. You have a life threatening problem, such as a heart attack, stroke, etc.
  2. You were in a serious accident.
  3. You are unconscious.
  4. You are bleeding heavily or are in excessive pain.
  5. You have been directed to do so by your doctor.

It is important to understand that the ER is intended to take care of severely sick people. The hospital will determine who in the ER is the sickest and take those people first. So if you go to the ER for basic medical care you will likely be waiting a long time. Often you will wait only to be seen and told to go to your own doctor the next day. If this happens, you have paid a lot of money for an expensive ER visit when you could have just waited until your doctor opened in the morning. 

So when should you skip the ER?

DON’T go to the ER when:

  1. You have a basic cold or virus.
  2. You need to see a specialist, but it is not urgent.
  3. You need to see your doctor – it’s not likely your doctor will come to the ER.
  4. You need to get a test which is not urgent.
  5. You can wait until your doctor’s office opens in the morning.

Have you ever gone to the ER and wished later that you had not? I’d love to hear from you!

MyHealthSpin helps you Spin Your Healthcare Your Way!

Check out how more information on insurance in our new book, Easy Healthcare: Choose Your Health Insurance.

Celebrate Mother’s Day The HealthSpin Way

Lori-Ann and GirlsBeing a mom often times means taking care of others before yourself. I encourage moms of every age to make themselves a priority and take easy steps toward a healthier and safer life. Among these include:

  1. Maintaining a healthy diet
  2. Engaging in physical activity
  3. Getting enough sleep
  4. Finding ways to reduce stress
  5. And sharing your medical history with your friends and family

Making sure your personal and family health history is often times forgotten, but can be very important in the event of an emergency. What you need is a Medical Life List! In a nutshell, your Medical Life List is your own personal medical record created by you and updated by you.

You can find the template of the Medical Life List in MyHealthSpin’s free eBook, Easy Healthcare Guide: What You Need First.

So the question is…how will you celebrate Mom this Mother’s Day?

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Spin Your Healthcare Your Way!

HS-Cover_WhatYouNeed

Will My Health Insurance Cover Diagnostic Tests?

Mid adult nurse preparing patient for CT scan test in hospital rGenerally, the answer is yes, but….  This is a question one of our readers asked so I thought I would share the answer here in case anyone else is wondering. Diagnostic tests are generally covered by your insurance, however, the deductible will apply.

Often, we compare the diagnostic test to preventative tests (which might be the same test, as with a colonoscopy). A preventative test under ObamaCare is generally covered without having to meet your deductible. Seems a little silly, right? One is fully covered and the other requires you to meet your deductible. The reason behind the distinction is that we want to encourage people to get their regular check-up and related tests, and if preventative care is not covered patients are less likely to get the test.

The next time you go to the doctor ask:

  1. What preventative tests should I get each year?
  2. How often does my insurance allow me to get the test?
  3. Should I schedule the test every year before or after I have my annual check-up?

These questions may help you keep up with your health. Remember being proactive is the best way to stay healthy and decrease the cost of your healthcare.

Does your doctor discuss the cost of tests with you when he or she orders the test? I’d love to hear from you!

MyHealthSpin helps you Spin Your Healthcare Your Way!

Check out how more information on insurance in our new book, Easy Healthcare: Choose Your Health Insurance.