Estimates from industries leading emergency room insurance supplements:
- $10,000 Family Plan: $47.00 US dollars per month. (price includes everyone)
- $7,500 Family Plan: $41.00 US dollars per month.
- $5,000 Family Plan: $35.00 US dollars per month.
- $10,000 Individual Plan: $36.00 US dollars per month.
- $7,500 Individual Plan: $29.00 US dollars per month.
- $5,000 Individual Plan: $24.00 US dollars per month.
ER supplement plan provider network:
Any licensed doctor, hospital, emergency room, urgent quick care facility, or medical clinic.
How emergency room insurance supplements work:
Accident coverage for the ER has no health questions when applying online and automatic acceptance is up to age 70. Plans are not insurance, rather an association based indemnity policy. Indemnity insurance plans pay the insured in lump sum payments up to a predetermined policy face value amount. Payments can either be paid to the insured directly, or the hospital and doctor who treated the injury. Policies only cover accidental bodily injuries and not sickness. As you’ll notice in the quotes above, available benefit levels (policy face value) available are $2,500, $5,000, $7,500, and $10,000. Price for family plans include everyone, meaning a 12 person family pays the same monthly dues as a 3 person family.
Emergency room coverage pays for expenses billed by a hospital or doctor used for injury treatment, up to the benefit level selected ($2,500, $5,000, $7,500, $10,000), less a $100 dollar deductible. Deductible is the actual out of pocket expense you’ll have before accident plan pays. Plan will pay up to the max benefit per accident or per injury. Indemnity benefits reset and every accident is treated as a separate event subject to new benefits and another $100 deductible.
Emergency room insurance plan explanation of benefits (EOB):
-Emergency Room (bodily injury visits; not sickness)
-Physicians / Doctors / Surgeon fees for surgery (inpatient and outpatient).
-General nursing care and hospital room and board
-Doctors visits (in or outpatient)
-Ambulance
-Hospital miscellaneous expense during confinement, outpatient surgery, operating room expense, lab tests.
-MRI’s
-X-Rays
-Dental treatment for injured sound natural teeth.
-Nurse expense
-Prescription Drugs
-Anesthesia
-Crutches, splints, casts.
ER Supplement Fine Print and Exclusions:
Accident policy must be in force prior to a covered injury. Kids sport league injuries are covered on some plans including high school sports injuries. Children can stay on family plan until age 26. Professional and College Level Athletics are not covered on this style injury plan. Covered charges are only payable for injuries that the insured seeks the initial treatment within 12 weeks of injury. Member has one year since date of initial injury to get treated and be covered on plan. Policy covers accident medical expenses incurred while outside the United States for up to 60 consecutive days.
Decreased level of consciousness or “DLOC” is one of the most common calls to EMS. DLOC can be caused by many things and for different reasons. What often is called “unresponsive” is actually DLOC. Victims with a decreased level of consciousness are not entirely unresponsive, but often their level of consciousness is decreased to the point that it appears so to the untrained eye. Often CPR has been started on victims with DLOC. This is not the appropriate course of action. If a person is breathing, that means that they have a working heart. This is true even if their level of consciousness is decreased. If the heart is working then CPR is contraindicated.
Often patients with a decreased level of consciousness are in serious trouble. They may respond inappropriately to verbal commands or may only respond to physical stimuli. Many times bystanders have no idea what is wrong, and at other times a bit of medical history can provide some valuable clues and shed some light on the situation. Care for the victim with a decreased level of consciousness includes management of the airway and breathing. Generally, the recovery position (on their side) is the best position for the person as long there is no indication of head, neck, or back injury. However, if the victim is in a comfortable position on something like a sofa chair or in any position where there is no risk of them falling, then that would be acceptable. As long as the victim is breathing they are alive, and CPR must not be performed on someone who is breathing.
Quite often the problem can be related to blood sugar levels, electrolyte imbalance or other type of blood chemistry disorder. It may also be a stroke, medication over dose or serious infection. Sometimes it can be difficult for EMS providers to determine what exactly is wrong, and in many cases the answer may only be proved after extensive hospital assessment. In any case, decreased level of consciousness is a true medical emergency and should prompt bystanders to call 911 or the local emergency number in addition to providing appropriate basic life support care.
Medical crash cart is an important piece of equipment in every medical center or hospital. It is designed to always be on the ready for the situations that require quick action, such as restore consciousness, or to restore living signs in patients. Examples of such situations will be a heart arrest, breathing cessation, or drug overdose.
To be quickly accessible, emergency carts are always positioned near emergency rooms (ER), operating rooms, intensive care units (ICU), or recovery rooms.
Emergency carts always feature at least five sturdy drawers for medications, suction devices, scalpels, needles, air supply tubes, a working surface with heart monitors and AEDs, or automatic electronic defibrillators, as well as space where oxygen containers are securely attached.
Nurses and doctors that are first in line to provide life support and resuscitation, need to always be clearly aware of the placement of the medical emergency cart as well as of its contents and their use, down to the contents of each individual drawer.
We will provide here a quick checklist of crash cart supplies. The list is intended as an overview only, it is not complete, and can be different in different hospitals or ERs. If you are studying for an ACLU exam or similar, you should look into the literature given to you for more details on basic life support, and details of conditions that require quick recognition of the need to use an emergency cart and the resuscitation procedures.
Top surface of the hospital emergency cart: This is commonly reserved for the heart monitoring device and AED, automatic electronic defibrillator, to be used in heart arrest situations.
Crash cart medication list for adults includes: Adenosine, Amiodarone, Atropine, Calcium Chloride, Dextrose, Dobutamine, Dopamine, Epinephrine, Etomidate, Flumazenil, Lidocaine, Magnesium Sulfate, Naloxone, Nitroglycerin, Norepinephrine, Procainamide, Vasopressin, Verapamil, Sodium Bicarbonate, Sodium Chloride. (Note: emergency cart drugs for children should be different, see below.)
Breathing equipment and air supplies: Tracheal (windpipe) tubes such as endotracheal tubes, tracheostomy tubes, nasal tube or nasal cannula, oxygen flow meter, laryngoscope (throat viewer) supplies such as light bulbs, batteries, exam gloves, and suction devices such as suction cathethers.
Intra venous (IV) equipment supplies: Blood tubes, sterile water vials, alcohol swabs, tape, IV start kits, syringes, arterial blood gas (ABG) kits and syringes, IV solutions such as lactated ringers, normal saline, and IV tubes like macrodrip, extension tubing.
Heart and chest procedures: In addition to the heart monitor and AED machine that are normally positioned on top of the medical emergency cart, one of the drawers will include cardiac (heart) and chest procedure supplies, such as ECG electrodes, sterile gloves, face masks and face shields, large dressings, cardiac needle, betadine solution, chest tubes.
Specialty items in the medical crash cart: Cutdown tray, CVP catheter tray, suture.
Warning: Due to the strength of the above medications and resuscitation equipment, the contents of a pediatric crash cart should be much different.
It is important for nursing and medical students to understand the use of emergency crash cart and other life saving supplies and devices. It is also important that all of these devices be stored in a secured, always ready medical crash cart. To be effective, hospital must prepare a comprehensive crash cart policy that includes crash cart medication list, complete crash cart inventory checklist and the appropriate staff training procedures.