Study finds more than 20 percent of ER visits result in surprise medical bills

A trip to the emergency room is stressful, but a new study shows the distress of an unexpected injury or illness doesn’t always end when a patient leaves the ER.

Researchers from Yale University analyzed insurance claims for more than 2 million ER visits nationwide and found that nearly 1 in 4 patients faced surprise bills after their visit, HealthDay News reports.

Patients who received unexpected bills often went to ERs in their health insurance networks; however, they were treated by out-of-network doctors, which led to unexpected costs.

“Our study shows that nearly a quarter of people who visited in-network emergency rooms were exposed to potentially major costs,” Yale assistant professor Zack Cooper said in a news release.

“This is just wrong and we must do better. People should not face financial ruin from medical bills they cannot reasonably avoid.” The Federal Reserve estimates 47 percent of U.S. consumers could not cover an unexpected $400 expense without incurring credit card debt or selling assets.

Emergencies aren’t planned, of course. But when you do have a planned hospitalization, consumer advocates recommend making a list of staff who might treat you, including doctors, surgeons and anesthesiologists.

You should also request in writing that they’ll accept your insurance.

If you’re surprised by a bill after medical treatment, ask for an itemized statement and look for procedures you didn’t actually receive. You can call the hospital’s billing office for help. Additionally, you can reach out to a patient advocate or claims consultant, although they may charge for the advice.

Think of your insurance company as your advocate. A call before a procedure can clarify what your plan will and won’t cover. After treatment, your insurance company can help sort out billing questions or problems.

Have you been surprised by a medical bill? Please share your story and any tips you may have with Voices for Affordable Health.