How Does Medicare Pay for Emergency Room Visits?
Fair Square Medicare

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.

Stay up to date on Medicare

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

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.


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.

Stay up to date on Medicare

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

Learn More About Medicare

heart surgery stock image

How Much Does Open Heart Surgery Cost with Medicare?


senior african american man feeling pain in his knees from arthritis while on a couch stock photo

How Much Does Xeljanz Cost with Medicare?


Doctor talking to patients are explaining the treatment of a patient's illness stock photo

How Much Does Rexulti Cost with Medicare?


Human hands holding healthy lung shape made from paper on light blue background. stock photo

How Much Does Trelegy Cost with Medicare?


Female physiotherapist helping elderly man in wheelchair do exercises with dumbbells at health center stock photo

What Does Medicare Cover for Stroke Patients?


Doctor demonstrating upper cervical spine anatomy stock photo

Does Medicare Cover Cervical Disc Replacement?


Medicare Set Aside funds stock image

What Happens to Unused Medicare Set-Aside Funds?


older man suffering from stomach pain due to IBS stock photo

Does Medicare Cover Xiafaxan?


senior woman doing botox stock photo

Is Botox Covered by Medicare?


Health insurance form on a table with pen, calculator and glasses stock image

What You Need to Know About Creditable Coverage


Acute psoriasis on elbows is an autoimmune incurable dermatological skin disease stock photo

Does Medicare Cover Light Therapy for Psoriasis?


wart on the sole of a white man's foot stock photo

Does Medicare Cover Wart Removal?


woman sitting on sofa feeling pain in her foot at home stock photo

Does Medicare Cover Qutenza?


Nasal spray stock image

Can Medicare Help with the Cost of Tyrvaya?


Gloved hands with a scalpel begin a knee replacement surgery

Does Medicare Cover Iovera Treatment?


A doctor with a clipboard consults a female patient with cancer

Does Medicare Cover Inqovi?


Physiotherapist showing workout record on exercise bike

Does Medicare Cover Exercise Physiology?


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?


Your Medicare One-Stop-Shop

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

100% free.

Fair Square Medicare


Privacy Policy




Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and 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 © 2022 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 or 1-800-MEDICARE to get information on all of your options.