When we give this response the first very reasonable question we get is, "So what is emergency room care to Blue Cross?" The concern is that a person might go to an out of network hospital thinking something is serious, find out that it isn't, and then be stuck with a big ER bill for out-of-network treatment.
Here, exactly, is the Blue Cross Blue Shield definition for emergency care.
An emergency situation is defined by a "prudent layperson" who possesses an average knowledge of health and medicine, as a medical condition that develops itself by symptoms of sufficient severity, including severe pain. Failure to provide such treatment could reasonably be expected to result in:
- Serious impairment of bodily functions
- Serious dysfunction of a body organ or part
- Could reasonably be expected to place the person's health in serious jeopardy
- Threat to the health and safety of a pregnant woman who is having contractions or to an unborn child
- Danger to self (including psychiatric conditions and intoxication
Remember, if its an emergency go to the nearest ER. We'll help you sort it out after the fact if there is a problem, but the chances of you having a problem are slim.