Do you have to pay anything at the emergency room?

Asked by: Dr. Garrett Berge V  |  Last update: May 13, 2025
Score: 4.1/5 (61 votes)

Yes, you will receive medical treatment in the emergency room regardless of whether you have insurance or not. However, you will be responsible for paying for the medical services you receive.

Do you have to pay right away at the ER?

Going to the Hospital Without Insurance

The legal obligation for emergency rooms to treat you whether or not you're insured shouldn't be confused with free treatment. You'll be charged afterwards, whether you can pay or not.

Can I go to the ER if I have no money?

Emergency departments are unique-- anyone who has an emergency must be treated or stabilized, regardless of their insurance status or ability to pay. The patient protection that makes this possible is a federal law known as the Emergency Medical Treatment and Labor Act (EMTALA).

How much do most ER visits cost?

Average ER visit cost

An ER visit costs $1,500 to $3,000 on average without insurance, with most people spending about $2,100 for an urgent, non-life-threatening health issue. The cost of an emergency room visit depends on the severity of the condition and the tests, treatments, and medications needed to treat it.

Does it cost money to get checked at the ER?

Most health plans may require you to pay something out-of-pocket for an emergency room visit. A visit to the ER may cost more if you have a High-Deductible Health Plan (HDHP) and you have not met your plan's annual deductible.

Insurer doesn't want to pay for non-emergency ER visits

37 related questions found

Can an ER visit be free?

If you have a serious medical problem, hospitals must treat you regardless of whether you have insurance. This includes situations that meet the definition of an emergency. Some situations may not be considered true emergencies, such as: Going to the ER for non-life-threatening care.

How much does a 3 day stay in the hospital cost?

It's easy to underestimate how much medical care can cost: Fixing a broken leg can cost up to $7,500. The average cost of a 3-day hospital stay is around $30,000.

Does ER charge by the hour?

A common question is whether emergency rooms (ERs) charge by the hour. The short answer is no, emergency rooms do not typically charge by the hour. Instead, they charge based on a variety of factors including the services rendered, the complexity of the case, and the specific treatments administered.

Is urgent care cheaper than ER?

An urgent care visit is between $100 and $200 – about ten times less than the average ER visit. If you have insurance, it should only be the cost of your co-pay. Most urgent care clinics are open 7 days a week. And, on average, wait times are 30 minutes or less.

Why is my ER bill so high?

Is this based on severity? Hospitals will bill you for a line item called “ER Visit Level” that is based on the complexity of your treatment. ER visit levels range from 1-5: ER visit level 1 is the most mild, while ER visit level 5 is the most severe.

Can you ignore ER bills?

Ignoring Medical Bills Creates Problems: Credit Score Damage, Debt Collectors, Lawsuits. Explore Solutions: Payment Plans, Financial Aid, & Potential Personal Injury Claim.

Can I go to the ER if I owe money?

Even if you owe a hospital for past-due bills, that hospital cannot turn you away from its emergency room.

Is it better to go to the ER at night or morning?

ERs generally see a decline in patient visits during the early morning hours. Furthermore, weekends, in contrast to popular belief, also tend to be less crowded. If your condition is not life-threatening but still requires immediate medical attention, considering these off-peak hours might be beneficial.

What happens if I don't pay my ER visit bill?

If you do nothing and don't pay, you could be facing late fees and interest, debt collection, lawsuits, garnishments, and lower credit scores.

Is it illegal to just leave the ER?

No. If you physician says you are medically ready to leave, the hospital must discharge you. If you decide to leave without your physician's approval, the hospital still must let you go.

Do you just walk into the ER?

Emergency rooms don't take appointments and may have long wait times. Compared to a visit to your own healthcare provider, it's a much less comfortable experience. You should only go there for severe conditions when waiting would be dangerous.

Do you get charged for going to the emergency room?

Emergency room costs encompass a wide range of expenses. This could include facility fees, physician fees, diagnostic tests, medications, and any additional treatments or procedures required. One of the primary determinants of emergency room costs is the severity of the medical condition.

Does the ER charge you up front?

Believe it or not, it can happen, and -- if you're not careful -- it probably will, too. Although the average ER bill costs well over a grand, hospitals all across the U.S. may start tacking on upfront charges (prior to even giving you any treatment or medication!)

What happens if I go to the ER without insurance?

Despite the financial hurdles, uninsured emergency patients are provided with legal safeguards. The Emergency Medical Treatment and Active Labor Act (EMTALA) is a federal law that requires anyone coming to an emergency department to be stabilized and treated, regardless of their insurance status or ability to pay.

Do you have to pay before leaving ER?

However, you may be asked to provide your medical insurance information again before leaving the hospital. This allows the medical facility to bill your insurance or have you pay any amounts due (patient responsibility) before exiting.

How to lower an ER bill?

  1. Get started early. ...
  2. Make sure there aren't any errors on your medical bill. ...
  3. Ask about any financial assistance programs. ...
  4. Research the insured rate for your service. ...
  5. Request or negotiate your payment plan. ...
  6. Check to see if the expense is HRA-, HSA-, or FSA-eligible. ...
  7. See if your employer offers a health stipend.

How does the ER cost?

ER visits can cost upwards of over $1,000 a visit, with an average visit costing between $1,200 and $1,300. The cost of care shouldn't be the only consideration. Time is important, too. The average wait time at an emergency room is four hours.

How much is a hospital stay out-of-pocket?

The national average cost of hospital stays per night is $3,025, but individual states can have dramatically different costs. For example, Mississippi has the lowest cost per night at $1,425, while California averages $4,337 per night.

Why is my hospital bill so high?

Elements that contribute to the high cost of medical bills include surprise medical bills, administrative costs, rising doctors' fees, the high cost of surgical procedures and diagnostic tests, and soaring drugs costs.

What if I need surgery but can't afford my deductible?

In cases like this, we recommend contacting your insurance, surgeon, or hospital and asking if they can help you with a payment plan. Remember that your surgery provider wants to get paid so they may be very willing to work with you on a payment plan.