Reply #44: Why can't they have ER rules instead of a blanket deterrent? [View All]

I understand why you have to pay (in my case $500) to go to the ER. Because there are people who would indeed go every whipstitch, or takes their kids every whip stitch and honestly believe that "better safe than sorry." My sister did it with her kids, and she and her husband paid for the privilege as they should.

But most people know when something is really wrong. There will be disagreements over whether it was justified or not, but I think my proposal has some merit. Doctors at the ER should be able to sign off on a "justified" for which you will not have a co-pay, or a "no cause" for which you will be charged the $500 and you can argue with your insurance company about it.

And yes, even with NSP there has to be some deterrent to people abusing emergency services.