Skip to main content

How to cover your emergency room costs

Accident insurance helps you with the high costs of paying for emergency room care when health insurance won’t cover it.

5 minute read

You can’t always predict when or where a medical emergency might happen – but if it does, you’ll want to be prepared for it. Even just one visit to the emergency room can cost thousands of dollars. Medical insurance often covers some of those costs but it may not cover all the costs associated with an emergency room visit. 

The Health Care Cost Institute found that the average emergency room visit cost $1,389 in 20171. And that’s not including extra charges such as blood tests, IVs, drugs, or other treatments. If your health insurance doesn’t completely cover emergency room care, accident insurance supplements your medical insurance policy to cover bills associated with an accidental injury like emergency room bills. 

How much does an emergency room visit cost?

Emergency room visit costs depend on a lot of factors, including the type of injury or condition you have, the sort of treatment you receive, and the facility you visit. One thing’s for sure though – emergency room costs can be very expensive, and they aren’t getting any cheaper. The average cost of an emergency room visit has gone up 176% in the last decade2.

Of course, the cost of your emergency room visit can vary greatly. High facility fee costs, blood tests, and other types of treatment can drive emergency room costs up regardless of how long you’re in the ER or the severity of your condition. The best way to avoid high emergency room costs like these is to avoid going to the emergency room if possible and to make sure you’re prepared ahead of time with both primary health insurance and supplemental health insurance. 

How to pay for emergency room care 
Accidents don’t just happen to people who are prepared for them. Many people experience medical emergencies without knowing how they’ll be able to pay the costs associated with them. When you experience a medical emergency, the last thing you need is a medical bill you don’t know how to pay for. Here are some tips for how to pay for emergency room care without health insurance.

Paying for emergency room care with accident insurance

Accident insurance is a type of supplemental health insurance. It pays out a lump sum cash benefit if you experience a covered accidental injury, such as a concussion, broken bone, burn or many other injuries. Multiple injury and treatment types may be covered, including ambulance charges, emergency room visits, hospital costs, surgery, crutches, physical therapy, and more. The amount of payout you receive depends on the type of injury. Accident insurance is easy to sign up for and use, with no limits on the medical providers you visit, no deductibles, no co-pays, and no annual maximums. If you go to the emergency room due to an accidental injury, accident insurance can help you cover a portion of those costs and the cash benefit your receive can be used in any way you choose from medical costs to non-medical costs like rent and groceries.

If your savings would suffer a setback to pay for the costs beyond what your medical insurance covers, then accident insurance can help. Get the confidence of knowing a cash benefit paid directly to you can be used in any way you choose.

Accident insurance is available for purchase year-round. If you missed the enrollment period for health insurance, you’re often left uninsured until the next one. Consider purchasing accident insurance now to fill the gaps in your medical insurance policy. 

Do I need supplemental health insurance?

Supplemental health insurance can be a great investment for anyone who needs help paying for out-of-pocket costs your primary health insurance doesn’t fully cover. Purchasing accident insurance can help ensure you’re at least partially covered financially if you do end up in the emergency room. 
Many health insurance plans involve high deductibles and out-of-pocket costs. In fact, 34% of Americans say they struggle to afford their deductible3. Accident insurance can help you pay for those deductibles, as well as many other costs you incur as the result of an accident.


This is not dental care advice and should not be substituted for regular consultation with your dentist. If you have any concerns about your dental health, please contact your dentist's office.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

Stay in the know

Sign up to get tips and resources




Sources:

1. https://www.usatoday.com/story/news/health/2019/06/04/hospital-billing-code-changes-help-explain-176-surge-er-costs/1336321001, 2019
2. https://www.usatoday.com/story/news/health/2019/06/04/hospital-billing-code-changes-help-explain-176-surge-er-costs/1336321001, 2019
3. https://www.kff.org/health-costs/issue-brief/data-note-americans-challenges-health-care-costs, 2019

Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice.
#2020-105645
(exp.
)

Find a Accident plan
that's right for you.

Dental Insurance

Good Health Starts With Your Smile

You're busy and sometimes it’s a challenge to get it all done. Our plans are designed to help make it easier for you to put your health first - starting with your smile. Find a plan that’s right for you.

Accident Insurance

Be Prepared for Life's Surprises

You never expect an accident to happen to you or anyone in your family. Our plans help you deal with surprise costs that go along with them.  Find a plan that’s right for you. 

Pet Insurance

A Smart Choice for Pet Insurance

Now you can get simple, easy, affordable pet insurance and join millions of other happy customers.

Critical Illness Insurance

A Safety Net When You Need It Most

Dealing with a serious illness is tough. Having a financial safety net helps you focus on the fight - not how you'll pay the bills.  Find a plan that’s right for you.