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Central Lakes Insurance Brokers

4820 W 77th St #125
Edina, MN 55435

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Featured Insurance Blog

Does Health Insurance Cover Emergency Room Visits?

The terms of health insurance can be confusing for patients in Edina, MN, which is a shame because the hospitals they visit may not understand the terms either. With so many different types of insurance companies out there and so many policies under each carrier, the possibilities are practically infinite. Central Lakes Insurance Brokers wants you to know more about emergency room care, so you have a better idea of what will happen if you need to see a doctor or qualified healthcare professional immediately. 

Emergency Room Care

Accidents, injuries, and illnesses can spring up at any time. While you would almost certainly prefer to see your regular doctor, sometimes it’s just not an option. Even things like physical exams or specialist consultations might book up months in advance. Emergency room care is seen as a special type of visit, meaning it will get its own category under your plan.

But how your visit is covered will depend on your plan. In some cases, you may only need to pay a co-pay for a visit. For other plans, it may be covered outright. Still, other plans might not cover your emergency room care unless it exceeds the limits of your deductible. Once you’ve reached the maximum out of pocket costs, you’ll be able to submit additional expenses to your health insurance carrier. 

Living in Edina, MN means planning for all contingencies, and Central Lakes Insurance Brokers wants to help you do just that. When you contact us, we can help you understand more about how your health insurance policy works and what services you have access to. And if you need additional coverage, so you’re not responsible for an unavoidable emergency, we’re here to help you get everything you need.