How expensive that emergency really is...

Friday, December 3, 2010

Photocourtesy of: Renjith Krishnan

An emergency room visit is something that nobody wants to encounter. That hospital visit is usually not for a positive reason and in some cases can (figuratively) cost people an arm and a leg! For patients who are insured, the cost of an emergency visit is significantly less than those who are uninsured. Based on information taken from the New Hampshire Health Cost  below is a list of possible costs for UNH faculty/staff in the case of a minor ER visit (outpatient):

 

Insured Patient (Insurance and Insured cost combined)

Uninsured Patient (With an uninsured discount)

Wentworth Douglass Hospital

$381

$435

Elliot Hospital

$245

$338

Concord Hospital

$406

$457

Even with a small discount, the cost of an uninsured patient is significantly more than what insurance companies would have to pay. Additionally, the cost of an insured patient is covered by the patient and the insurer so the entire total is not out of pocket. Furthermore, the prices increases for emergency room visits that are considered medium cases (still outpatient):

 

Insured Patient (Insurance and Insured cost combined)

Uninsured Patient (With an uninsured discount)

Wentworth Douglass Hospital

$735

$845

Elliot Hospital

$850

$989

Concord Hospital

$1315

$1794

As demonstrated in the tables, costs can vary depending on hospital and also treatment. However, the cost of an emergency room, whether it is insured or out-of-pocket is still extremely high. The listed costs give guidelines on how expensive one visit actually is. Emergency care is an important part of health cost due to the fact that in most cases of severe injuries emergency room visits are necessary. It is important for individuals to be aware of potential costs for such visits.

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