Fair Square Medicare Wordmark

How Does Medicare Pay for Emergency Room Visits?

Emergency section of a hospital exterior stock photo

By Daniel Petkevich

Nov 21, 2022

Avoid the stress by knowing how you are covered

The different parts of Medicare can get confusing. Sometimes it might feel like trying to make sense out of

alphabet soup

. You may remember Part A is considered Hospital insurance, and Part B is considered Medical insurance. But where does an emergency room visit land in terms of your Medicare coverage? The answer is Part B. So how does that affect your cost? Let's talk it through.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Why not Medicare Part A?

Medicare Part A is your hospital insurance, which helps cover inpatient care you receive in a hospital, nursing facility, or hospice. So if you are in the emergency room, you might then be admitted to the hospital depending on your ailment. If that happens, your coverage will go to Part A, and you won't need to worry about copays for Part B. If you are not admitted to the hospital, your emergency room visit will be covered by Part B.

What is Medicare Part B?

Medicare Part B is your medical insurance, and it helps cover medically necessary doctor visits, preventive care, and other services. This also includes emergency room visits and outpatient care.

That means you will be responsible for the following:

  • ER visit copayment

  • Hospital service copayment

  • 20% of the approved Medicare costs

  • Your Part B deductible of $233 ($226 in 2023)

Medicare Part B covers emergency room visits that are medically necessary. If you have a Medicare Advantage Plan, you will likely have different coverage for emergency room visits. In this post, we'll examine how Medicare pays for emergency room visits and what you can expect if you need to use this benefit.

It's important to check your plan details so you know exactly what the costs will be. If you have a Medicare Supplement Plan G,

your out-of-pocket expenses

are limited to just the Part B deductible.

What are some things to keep in mind if you need to go to the ER?

If you're in a Medical Emergency and need to go to the ER, remember to call 911 first. Also keep in mind that if you go to a hospital that's out-of-network, you may be responsible for all costs. This is something you don't have to worry about on Medicare Supplement plans. On Medicare Advantage plans, going out-of-network can lead to surprise bills.

Takeaway

An emergency room visit is something no one wants to experience, but ultimately it could be important to have a plan for just in case. Plan to have a potential ER visit billed under Part B, and talk with a Medicare expert at Fair Square Medicare to make sure you aren't caught out with a huge bill. Give us a call at 1-888-376-2028.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Recommended Articles

Sleep apena stock image

Does Medicare Cover Inspire for Sleep Apnea?

Dec 27, 2022

Cover image

What People Don't Realize About Medicare

Mar 27, 2023

male driver taking notes from behind the wheel stock image

Does Medicare Cover Driving Evaluations?

Dec 1, 2022

Close up of a senior clutching their right wrist in pain stock photo

Does Medicare Cover Cala Trio?

Nov 23, 2022

Doctor showing patient bone anatomy of skeleton of nose and nasal cavity on skull. Preparing for rhinoplasty surgery, correcting deviated nasal septum, localization of rhinitis, sinusitis in nose stock photo

Does Medicare cover Deviated Septum Surgery?

Nov 18, 2022

Person receiving a vaccine stock photo

Is the Shingles Vaccine Covered by Medicare?

Nov 17, 2022

Cover image

Will Medicare Cover it?

Oct 3, 2023

A women's restroom sign that has been modified to show the stick figure woman needing to use the toilet

Does Medicare Cover Bladder Sling Surgery?

Jan 11, 2023

senior couple working in a greenhouse stock image

Medicare Supplement Plans for Low-Income Seniors

Mar 23, 2023

Psoriasis on elbow stock photo

Does Medicare Cover Ilumya?

Dec 7, 2022

A cartoon signpost with HMO and PPO pointing in opposite directions

What's the Difference Between HMO and PPO Plans?

Dec 1, 2022

Medicare at 62 stock image

Does Retiring at Age 62 Make Me Eligible for Medicare?

Jun 16, 2022

Hepatitis C stock photo

Does Medicare Cover Hepatitis C Treatment?

Nov 22, 2022

Myelofibrosis stock image

Does Medicare Cover Jakafi?

Dec 12, 2022

Cover image

What To Do If Your Medicare Advantage Plan Is Discontinued

Feb 26, 2024

Modern endoscope in hands of experienced medical worker stock photo

How Does Medicare Cover Colonoscopies?

Dec 27, 2022

Kidney stone stock image

Does Medicare Cover Kidney Stone Removal?

Nov 23, 2022

older man suffering from stomach pain due to IBS stock photo

Does Medicare Cover Xiafaxan?

Jan 19, 2023

More of our articles

13 Best Ways for Seniors to Stay Active in Indianapolis

13 Best Ways for Seniors to Stay Active in Jacksonville

13 Best Ways for Seniors to Stay Active in Philadelphia

2025 Medicare Price Changes

Building the Future of Senior Healthcare

Can I Change Medicare Advantage Plans Any Time? | Medicare Plans

Can I Change My Primary Care Provider with an Advantage Plan?

Can I Use Medicare Part D at Any Pharmacy?

Can Medicare Advantage Plans be Used Out of State?

Can Medicare Help with the Cost of Tyrvaya?

Costco Pharmacy Partners with Fair Square

Do You Need Books on Medicare?

Do You Need Medigap if You're Eligible for Both Medicare and Medicaid?

Does Medicare Cover a Spinal Cord Stimulator?

Does Medicare Cover Abortion Services?

Does Medicare Cover Air Purifiers?

Does Medicare Cover an FMT?

Does Medicare Cover Boniva?

Does Medicare Cover Cartiva Implants?

Does Medicare Cover Chiropractic Visits?

Does Medicare Cover ESRD Treatments?

Does Medicare Cover Hearing Aids?

Does Medicare Cover Home Heart Monitors?

Does Medicare cover Hyoscyamine?

Does Medicare Cover Hypnotherapy?

Does Medicare Cover Iovera Treatment?

Does Medicare Cover Kyphoplasty?

Does Medicare Cover Linx Surgery?

Does Medicare Cover Lipoma Removal?

Does Medicare Cover Nexavar?

Does Medicare Cover Penile Implant Surgery?

Does Medicare Cover Physicals & Blood Work?

Does Medicare Cover RSV Vaccines?

Does Medicare Cover SIBO Testing?

Does Medicare Cover TENS Units?

Does Medicare Cover Tymlos?

Does Medicare Cover Urodynamic Testing?

Does Medicare Cover Wart Removal?

Does Medicare pay for Opdivo?

Estimating Prescription Drug Costs

Everything About Your Medicare Card + Medicare Number

Fair Square Bulletin: We're Revolutionizing Medicare

Health Savings Accounts (HSAs) and Medicare

How Does Medicare Pay for Emergency Room Visits?

How is Medicare Changing in 2025?

How Much Does Medicare Cost?

How Much Does Medicare Part A Cost in 2025?

How Much Does Medicare Part B Cost in 2025?

How Much Does Open Heart Surgery Cost with Medicare?

How Often Can I Change Medicare Plans?

How to Choose a Medigap Plan

How to Deduct Medicare Expenses from Your Taxes

How Your Employer Insurance and Medicare Work Together

Is Displacement Affecting Your Medicare Coverage?

Is Emsella Covered by Medicare?

Is Gainswave Covered by Medicare?

Is PAE Covered by Medicare?

Medicare & Ozempic

Medicare 101

Medicare Advantage Plans for Disabled People Under 65

Medicare Consulting Services

Medicare Savings Programs in Kansas

Plan G vs. Plan N

Seeing the Value in Fair Square

Welcome to Fair Square's First Newsletter

What Are Medicare Part B Excess Charges?

What Is a Medicare Advantage POS Plan?

What Is a Medicare Supplement SELECT Plan?

What Is Medical Underwriting for Medigap?

What is the Medicare ICEP?

What You Need to Know About Creditable Coverage

When to Choose Medicare Advantage over Medicare Supplement

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap. 100% free.

Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2025

Terms of Use
Notice of Privacy Practices

Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M