It is extremely costly to visit the hospital/emergency room when you only need routine medical care.
Typically, Hospital Emergency Rooms charge many times what a local community clinic or physician would charge for similar medical services. So unless an American is wealthy or has no other choices, they would only go to an Hospital Emergency Room in the event of a potentially life threatening illness or serious injury. It is only $25 deductible for students to see a general practitioner.
The Insurance deductible for a visit to a Hospital Emergency Room is $250 per visit, if their condition is not serious enough for the patient to be admitted overnight to the hospital .This means that the participant will pay $250 dollars every time he/she goes to the hospital when he or she does not have a condition serious enough to be immediately admitted for emergency overnight care.
Unlike the medical system in your home country, hospital care in the USA is not the alternative of first choice for diagnosis and treatment of routine illnesses and minor surgeries. For minor infections, colds, flu, aches, pains, minor injuries, and surgeries and other non critical illnesses, the patient should call the USI Insurance National Preferred Provider Network to determine the location of the closest doctor's office or participating clinic in their area. Expenses for visiting such a clinic or doctor's office would likely be an office visit fee of perhaps a $50 to $100 with only a $25 deductible.
Our program participants can also go to any doctor's office or clinic for treatment. It is only recommended that they go to a PPO doctor. As long as the charges are customary and reasonable, and it is for a covered illness or injury, the treatment will be paid by insurance, less the co-pay. It is not mandatory that the program participants use a PPO doctor.