What you pay will depend on the reason for your visit
Starting with 2019 plan effective dates, most members on our New Hampshire plans will pay higher cost sharing for emergency room (ER) visits that are not considered medical emergencies.
Higher cost sharing for non-emergency diagnoses
We will not deny any claims based on the reason for your ER visit, but if you go to the ER and your diagnosis falls into one of the following categories, you may pay higher cost sharing than you will for an emergency diagnosis. In most cases, for non-emergency diagnoses, you will pay the deductible then 50% coinsurance (after any negotiated discounts). If you are charged higher cost sharing for a service that you believe was a true medical emergency, you can contact Member Services to appeal our decision.
Please note that any examples provided above are for clarification purposes only and do not constitute an exhaustive list of diagnoses that may be considered non-emergency diagnoses.
Regular cost sharing for emergency diagnoses
You will pay the regular emergency room member cost sharing (e.g., deductible then copayment) when you visit the ER for conditions that are considered medical emergencies. These are generally injuries and illnesses that are severe or life-threatening, such as a heart attack, severe head trauma, major bleeding, convulsions, or loss of consciousness. Refer to your Benefit Handbook and Schedule of Benefits for specific coverage information. These documents are available by logging in to your member account and clicking “View My Plan Documents” under “Plan Details.”
Alternatives to the ER
Urgent care centers, retail clinics and telemedicine services are also some care options to consider when you can’t be seen at your primary care provider’s office right away. These alternatives typically have shorter waits and will cost you less than an ER visit.
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