Complexities of billing
ED visits are given codes to help show how complex the task or service was during the billing process. These codes have five levels.
Less complex visits require straightforward medical decision-making, such as rashes or medication refills. Patients with level 5 codes require highly complex decision-making and include life- or limb-threatening conditions, such as severe infections or heart attacks.
The less complex visits cost $592, on average, with patients responsible for $205 of that. For the most complex visits, the health plan covered $3,015, on average, or eight times the cost of the lowest-coded visits.
On average, patients paid $840 out of pocket for the most complex visits – four times the average costs for the less complex visits.
One reason for the rise in spending for ED visits is a national shift to higher-level ED billing codes, says Ms. Schwartz, who is a Kaiser Family Foundation health policy fellow and a medical student. “There has been good work done showing that [ED] visits are increasingly being billed as a level 4 or 5, whereas in previous years, they might have been billed as a level 3.
“Whether a hospital bills a level 4 or a level 5 code for your visit can make a really big difference in how much you pay. And if you come in not knowing what services you’re going to get, you don’t know if you’re going to get a level 3, 4, or 5 code, and the costs increase pretty quickly,” she says.
Costs vary by region
The report includes an analysis of emergency department costs in the 20 largest metropolitan areas in the United States. Overall, the researchers found, San Diego had the most expensive ED visits. Emergency departments in San Diego charged about twice as much per visit, on average, as those in Baltimore.
While there were expensive areas all across the country, many of the costliest places were in Texas, Florida, California, Colorado, and New York. The report noted that the most expensive regions for ED care did not align with the regions that had the most expensive health care overall.
“These comparisons suggest that our findings are not solely related to overall high health care prices in these areas and may reflect other factors, including the age and medical complexity of the population or differences in local norms and practice patterns,” the report says.
Healthier people
In addition to these geographical differences, the incidence of emergency department visits by those with employers’ insurance differed from that of the general population.
During the study year, the report found, 12% of the insured had at least one ED visit – a percentage that didn’t vary for any age group under 65, including children. (No patients 65 or older were included in the study.)
By comparison, a government survey shows that in 2019, 21% of all U.S. adults 18-44 had one or more emergency department visits. Among those 45-64, 20% made at least one ED visit.
A version of this article first appeared on WebMD.com.