Get News & Updates Directly To Your Inbox
Download the BCBSOK App. Your coverage information in the palm of your hand.
Find A Doctor Or Hospital In Your Network.
So how do you know if you should go to an emergency room (ER)? Here’s a little ditty to help you decide: “If it could be the end of me, an ER is where I need to be.”
In other words, if it’s pretty clear that a medical condition is life threatening, then your only choice may be to go to the nearest emergency room. Some examples of emergency care include having chest pain or other signs of a heart attack or stroke, a deep wound that is bleeding a lot and heavily, a severe burn, or a serious head, neck or back injury.
All these and other serious conditions should always be treated at the ER. Call 911 for an ambulance or have someone take you to the nearest ER. Here are your options:
Hospital ER – If you know which nearby hospitals are in your health plan’s network, you can ask the ambulance to go there. If not, they will take you to the closest ER or one best equipped to take care of your emergency.
Freestanding ER - Not all ERs are located at hospitals. If the word EMERGENCY is part of a facility name, chances are you’re at an ER, even if it isn’t part of a hospital. Freestanding ERs are equipped like an ER and are staffed with ER doctors. They treat many life-threatening or disabling conditions.
Be aware that these ERs’ costs may be much higher than other options, just as if you went to the ER at a hospital. And unless the facility is part of a bigger hospital system, it may not be in your health plan’s network. Very few of them contract with insurers.
Here are some ways to know if you are at a freestanding ER. Freestanding ERs:
Remember: If it isn’t an emergency, call your doctor or go to an urgent care center instead.
Life and death situations don’t come often, but if you’re ever in the position to need an ER, you’ll know how to make the best choices for care. If you have questions on what your BCBSOK health plan covers, call the number on the back of your member ID card.
Originally published August 18, 2015; Revised 2019
A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association© Copyright 2021 Health Care Service Corporation. All Rights Reserved.
Telligent is an operating division of Verint Americas, Inc., an independent company that provides and hosts an online community platform for blogging and access to social media for Blue Cross and Blue Shield of Oklahoma.
File is in portable document format (PDF). To view this file, you may need to install a PDF reader program. Most PDF readers are a free download. One option is Adobe® Reader® which has a built-in screen reader. Other Adobe accessibility tools and information can be downloaded at http://access.adobe.com.