ObamaCare Clusterfuck: Can somebody decode this CMS fact sheet on emergency care?
Getting Emergency Care
In an emergency, you should get care from the closest hospital that can help you. That hospital will treat you regardless of whether you have insurance. Your insurance company can't charge you more for getting emergency room services at an “out-of-network” hospital.
I’m having an emergency. Should I go straight to the hospital or do I need to call my insurer first?
In a true emergency, go straight to the hospital. Insurers can’t require you to get prior approval before getting emergency room services from a provider or hospital outside your plan’s network.
What does it mean that insurance companies can’t charge me more?
Insurance plans can’t make you pay more in copayments or coinsurance if you get emergency care from an out-of-network hospital. They also can’t require you to get prior approval before getting emergency room services from a provider or hospital outside your plan’s network.
Will I have to pay anything?
This depends on the plan that you chose and the hospital you go to. This care may be subject to a deductible, for example, or a hospital may have particular rules in place.
For example, the definition of "can't charge you more" turns out to mean "can’t make you pay more in copayments or coinsurance if you get emergency care from an out-of-network hospital," which seems like a significant qualification, though I confess I don't know what it means.
And apparently this all applies to "emergency room services" only. What happens if they need to move you somewhere else?
And what is a "true emergency" in question two and who decides that? How is it different from a mere "emergency" in question one?
And then there are the these terms: copayments, coinsurance, and deductibles. What the heck is coinsurance?
And then there's this: "a hospital may have particular rules in place." What does that mean?
Anyhow, not having purchased insurance, and so far having avoided involvement with the "health" "care" "system" successfully, I'm not at all expert in decoding "Fact sheets" like this. Readers?