Last updated: March 2026
How Much Does Emergency Room Visit Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Low Severity | $500 – $1,500 | $150 – $300 |
| Moderate Severity | $1,000 – $3,000 | $200 – $400 |
| High Severity | $2,000 – $5,000 | $300 – $500 |
| ER + Imaging | $2,000 – $7,000 | $300 – $800 |
| ER + Admission | $5,000 – $20,000 | $500 – $3,000 |
CPT/ADA Code: 99283-99285
What Affects the Cost
- Facility type (freestanding center vs. hospital — hospitals cost 2-3x more)
- Geographic location
- Complexity of the visit or test
- Whether additional tests or procedures are needed
- In-network vs. out-of-network provider
- Time of day (emergency/after-hours may cost more)
Insurance Coverage
Typical coverage: ER copay ($150-$500) + deductible/coinsurance; no network restrictions
Most diagnostic tests and urgent care visits are covered when medically necessary with a doctor's order. You'll pay your deductible first, then coinsurance (typically 20-40%). Preventive screenings are covered at $0 under the ACA. Always use in-network providers to avoid surprise bills.
How to Save Money
- Freestanding facilities cost 50-70% less than hospital-based
- Ask for cash-pay pricing upfront — often 40-60% less than billed rate
- Compare prices on MDsave.com or Healthcare Bluebook
- Use urgent care instead of ER for non-emergencies (save $1,000+)
- Telehealth visits cost $50-$100 for many conditions
- Check if the service qualifies as preventive care ($0 with insurance)
Related Procedures & Costs
Frequently Asked Questions
Average: $2,200 without insurance. With insurance: $150-$500 copay + deductible/coinsurance.
Yes. Request an itemized bill, dispute errors, ask for the cash-pay rate. Hospitals often accept 40-60%. Apply for financial assistance.
Yes. EMTALA requires ERs to stabilize all patients regardless of insurance. You'll receive a bill afterward.