Reply to United Healthcare will no longer cover uncecessary ER visits

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]What do you do if you get a nasty cut?  Do you need to go to an ER for stitches or can it be done at an urgent care place?  How in the hell would a regular person know this kind of cut/wound needs an ER visit, while this size cut can be done at an urgent care clinic.  Oh, I'm sure UHC would argue that you could have gone to the urgent care clinic because your wound was only X cm long instead of Y cm.  [/quote]

That's definitely an urgent care. Unless you cut your arm off or you see bone, go to urgent care. It should be obvious from the amount of blood whether you need ER or urgent care. Urgent care can do stitches and can help you clot.

But if it's on my face, I'm seeing neither and having a dermatologist stitch me up. [/quote]

The problem is some cuts can be bad.  Last year my teenage son cut his finger in shop class.  When he showed it to me when he got home I called the doctor (pediatrician) and made a same day appointment.  At that appointment the doctor freaked out and told us to go straight to the ER.  The cut was not bleeding but she was afraid of nerve damage and a bone nick.  So then we go to the ER.  5 hours later we are home with a clean bandaid. The ER doctor checked out the cut, told my son he had done a great job cleaning the cut and bandaging it up at school (he never went to the nurses office) and gave us a clean bandaid.  That cost me $700 in deductibles and co pays.  So under the new UHC policy would that ER have been covered because a doctor told us to go even though in the end it really wasn't ER worthy?[/quote]

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