Our $5 Trip to the ER

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triptotheER

[Caution: this post may not be for the faint of heart – like me.]

 

It all started Sunday night, just before 8pm. I was in the other room when R came rushing in with blood all over his hand. He had sliced his index finger open on a glass.

Now, I do not do well with all things medical. Like, at all. I started to feel lightheaded right away, but I sucked it up and helped him as best as I could. We got him cleaned up and covered the cut with band-aids before returning to watching tv. My stomach started to settle, but R was still bleeding a lot. After a quick consultation with Google, we decided it might be best to go to the Emergency Room.

After we drove to the hospital and found parking (because the free ER parking lot was of course full) it had been about 45 minutes. We told this to the check-in desk person, who gave us a bit of attitude for waiting so long. (Funny, she didn’t seem all that concerned while she took her sweet-ass time checking in the person before us.) The attitude continued as we moved to the triage nurse. She gave R a hard time for not knowing my phone number or what our current marital status would be classified as – despite the fact he was bleeding and was probably in a bit of shock. (Seriously?)

We sat in the waiting room for a few minutes before R was called to yet another nurse who took his temperature and blood pressure, before sending us back to the waiting room. By this point, we had been in the ER for well over 10 minutes and not a single person had even looked at his cut.

Thankfully the ER was very quiet and we didn’t wait long before being called in. I was hesitant to go in with him, but I went. A nurse came in almost immediately and finally looked at his injury. She said it doesn’t look that bad and that the doctor would probably give him one stitch because we were already there. I felt extra queasy by this point because hospitals… and because there were blood-soaked balls of gauze all over the floor around the garbage can. (Seriously?)

I felt the light-headedness beginning and decided that I better get out of there before I became a patient myself. I grabbed myself a juice from the waiting room vending machine to help keep my blood-sugar in check and tried to distract myself from the people walking around with IV carts by playing on my phone.

It turns out it was a good thing I left because the cut ended up being worse then we all thought. I’ll spare you the details, but they had to freeze R’s finger and gave him 4 stitches.

Thankfully we live in the land of free Health-Care (a.k.a. Canada) and even though we do not have health insurance, the whole trip to the ER cost us a whopping $5:

  • $3 for 1 hour parking
  • $2 for a juice

But – it would have been FREE if the ER parking lot wasn’t full and if I wasn’t so squeamish.

If we lived in the U.S., we’d probably be looking at a medical bill of at least $2000. Even with my Emergency Fund, this would have left us in a bad financial situation. (I guess that makes dealing with a bit of attitude and questionable cleaning practises worth it?)

R is still in a lot of pain and cannot straighten out his finger because of how the stitches were put in. Thankfully, it shouldn’t interfere with his work at all and as long as it it heals properly, he should be back to normal within the week.

 

Have you ever had a medical emergency? If so, what did it end up costing you?

 

P.S. If you find yourself in need (or want!) of some cash, head on over to Money Propeller to check out an awesome infograph on Grocery Prices Across North America (in which I participated – and LOST) and enter the Giveaway for your chance to win $200!

 

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Amanda

More about Amanda

Amanda is the owner and creator of My Life, I Guess... a personal finance and lifestyle blog that started back in 2013. She strives to keep the "person" in personal finance by writing about money, mistakes and making the most of it.

37 thoughts on “Our $5 Trip to the ER

  1. Avatar
    Michelle

    AH! I would have been super squeamish. I don’t know how hospital workers can handle it all.

    Right now, we don’t have the best health insurance. We have a $12,000 deductible so even if the smallest thing were to happen to either of us, it would be extremely expensive.

    Reply

    1. Amanda
      Amanda

      Yikes! That is a high deductible! Fingers crossed that you never have to use it!

      Reply

  2. Avatar
    Cece @Pink Sunshine

    I’m so jealous of you Canadians and your free health insurance. I can’t even imagine such a thing. Luckily, nothing ever happened in my days of not having insurance and even now the closest I’ve come to the ER is urgent care which is covered by insurance. Glad it was nothing more serious…and that it was almost FREE 99.

    Reply

    1. Amanda
      Amanda

      Us Canadians do have it pretty lucky in that regard. I’ll gladly pay $5 if that’s the case! It’s just funny that R works almost every day in a kitchen, and then he cuts himself at home while we’re relaxing.

      Reply

  3. Avatar
    Melanie@Dear Debt

    So jealous of your amazing healthcare! I went to the ER once after having food poisoning and becoming extremely ill. I was uninsured at the time and it cost $1,600. Luckily, I was considered low-income and it was forgiven. I did have to pay the $1,000 ambulance fee, also known as the most expensive car ride of my life. Glad that you and R are ok and that you are only out $5.

    Reply

    1. Amanda
      Amanda

      $1000 for the ambulance?!? What, did they fly you there in a private jet? That is SO ridiculous! Thankfully they forgave most of that bill, but still!

      Reply

  4. Avatar
    Newlyweds on a Budget

    I used to be on the “no free healthcare” bandwagon but I think it was because I was scared of change. Honestly, I am thinking that we need to go more toward that route and convert it all! Because right now, I hate that my premiums have gone up just to pay for everyone’s else’s. We might as well all pay the same thing, and have it taken out of taxes, that way I don’t have to get mad when I see the bill every month! : ) And we did go to the ER and it cost us about $800 : )

    Reply

    1. Amanda
      Amanda

      “Free” health care has it’s pros and cons. I’m glad this was (almost) free for us, but if he needed any sort of prescription we’d have to pay out of pocket for that because we don’t have insurance. (Mind you, it wouldn’t be the $800 you had to spend.) It’ll be interesting to see what happens with healthcare in the US over the next few years!

      Reply

  5. Avatar
    NZ Muse

    We’ve been to the ER a couple of times for T, so I know what it’s like! We managed to get free parking though so cost = zero.

    I had to go to the doctor on my birthday a couple weeks ago – it was a Sunday evening – so had to pay $80 for the weekend/after hours fee.

    Reply

    1. Amanda
      Amanda

      I’ve never heard of after hour fees before, is that a NZ thing or am I just out of the loop at health care practises? Regardless, it sucks having to pay for something that could be free, even if it is less than $100.

      Reply

  6. Avatar
    Melissa

    Knock on wood, I have not ever had to go to the ER. I live in the US though and, even with the good health insurance I have through work, I absolutely know it would cost me an arm and a leg (no pun intended). My Dad had to go into the ER last year for his heart condition, and the nurses told him that if he didn’t have Medicare (the one for people over 65), it would have cost him over $15,000. Since he was over 65, it only cost him like $200 out of pocket. Pretty sweet (but only if you’re old here in the US).

    I’m sorry R had to get stitches, but I have to say I’m super jealous your health care system is that amazing (minus the attitude!) :)

    Reply

    1. Amanda
      Amanda

      $15,000?!?! Crap… I can’t even wrap my head around that! That is way too ridiculous for something you have no control over.

      Reply

  7. Avatar
    Anne @ Unique Gifter

    I’m laughing at the juice because I almost bought myself some two weeks ago. I went to get x-rays for my foot right after work, to ensure the ER doctor was still there and not just on call (small town living). I was starving by the time I left and so tempted to get an OJ but managed to resist until I got home!

    Reply

    1. Amanda
      Amanda

      I knew as soon R started thinking we should go to the ER that I was going to get all squeamish and had planned to grab a juice from home before heading out… but in the chaos I forgot. $2 I could have saved, but still worth it!

      Reply

  8. Avatar
    save. spend. splurge.

    The U.S. is ridonkulus for healthcare costs. It’s so expensive, it isn’t even funny.

    I’m sorry about the wait you had to go through though. I know what it’s like… waiting and getting frustrated I mean. There are downsides to universal healthcare, of course but at least we have it.

    Reply

    1. Amanda
      Amanda

      I couldn’t believe that we had to talk to 4 different people before any one even looked at his injury! Shouldn’t that be the first thing they do in the ER?

      Reply

  9. Avatar
    Alicia @ Financial Diffraction

    Glad it wasn’t anything too serious in the end. A few years back my fiancé was in the hospital for a few weeks, and so I had it down pat on how to not pay any money while I was there. I would park at my school (because I already had a parking pass) and walk 15 minutes to the hospital (otherwise $10+/day). Then I’d pack a lunch so I didn’t end up at Tim Horton’s every day. It saved me so much money in the end which would have been an added stress on an already stressful situation. I cannot imagine being in a country where I then would have to whip out a credit card to pay deductibles, etc. This is one of the situations where I really love being Canadian.

    Reply

    1. Amanda
      Amanda

      I thought about dropping him off and parking somewhere else (for free), but once we saw that there was only a few people in the waiting room, we guessed that it wouldn’t be a long wait. That and there really isn’t anywhere nearby that has free parking as it’s near a University and a whole lot of trees.

      Reply

  10. Avatar
    E.M.

    Oh wow, I hope his finger heals fast! That’s awful. I’m really squeamish too, and I hate hospitals, so I hear you on that. I had to go to the ER with my ex once at like 3AM (he thought something was wrong with his appendix), and the wait time was horrific. He was in really bad pain, and we spent the entire night there, having him get tested for this and that, only to find out nothing was severely wrong. I don’t even remember what the diagnosis was, but 9 hours of waiting was insane! I’m glad your trip was only $5 though =).

    Reply

    1. Amanda
      Amanda

      Thanks – he’s already doing a lot better. But a 9 hour wait – yikes!

      Reply

  11. Avatar
    EL @ Moneywatch101

    That’s some great service they gave you prior to even checking his finger. The healthcare in the US has to be high or else doctors cannot afford to drive in to work in their Porsche’s or Ferrari’s. They cannot go down in status it can hurt their feelings.

    Reply

    1. Amanda
      Amanda

      Haha – that’s awesome! Don’t want to hurt any ones feelings, of course!

      Reply

  12. Avatar
    Alexis

    I need to visit Canada. I recently went on a trip and met so many Canadians and they were so nice. Not only nice, they were a blast to hangout with. I can’t believe I’ve never visited Canada when it is so close to me.

    Reply

  13. Avatar
    Kate @ Money Propeller

    Ouch, sorry to hear about that. :( Last month, I was rushed to the hospital due to a very high fever 39.9 and pain of side back. I think I almost died during that time, plus the long hours of waiting while my mom fill up the information sheet! I was hospitalized for 5 days and it was covered by my health insurance.

    Reply

  14. Avatar
    Stefanie @ The Broke and Beautiful Life

    Jealous! I once busted my lip and went to the ER. I waited about five hours and then they tried to tell me they couldn’t give me stitches because it had been too long. I was like, WHAT? I’ve been waiting here for HOURS! Needless to say, I made sure I got stitched up.

    Reply

  15. Avatar
    Janine

    Hope your fiancé is okay! It’s posts like these that make me feel extremely grateful we live in the country we do <3

    Reply

  16. Avatar
    Femme @ femmefrugality

    Yikes. I would have passed out for sure. And we would have been totally screwed financially. Jealous of free health care! (And that parking was only $3!)

    Reply

  17. Avatar
    Michelle

    I live in the U.S. and it would cost me $30 to get stitched up…during business hours, in network. I always try to NOT GET HURT.

    Reply

  18. Avatar
    Debt and the Girl

    Wow, that was amazingly cheap. I wish we had that here in the good ole US. Hope he is doing better.

    Reply

  19. Avatar
    KK @ Student Debt Survivor

    A couple years back Eric had a horrible asthma attack and couldn’t breath. He ended up in the ER and then being admitted for several days. I can’t remember how much that bill was, but he had “good” insurance and we ended up paying several thousand dollars, ugg. Glad R is OK!

    Reply

  20. Avatar
    Ms. LoL

    I was actually just going through my old legal files box last night and ran into my stacks and stacks of medical bills from my “I’m 24, I shouldn’t have cancer!” days. Frankly, I’ve never added everything up, but the surgery and hospital stay was over $50,000. I would say that overall it was probably about $75,000. This was 2005-2006, so today it would probably cost me twice that. That little “incident” is the most major reason I’m in my current financial situation. lol

    Reply

  21. Avatar
    Thad

    ER costs are pretty outlandish for sure. And when you have insurance, you really never know what the real cost is because there is no price transparency for the insured. You get the contracted rate, but that isn’t always the lowest cost.

    Reply

    1. Amanda
      Amanda

      I can’t imagine having to worry to about paying for a visit to the ER. I don’t know how countries without “free” healthcare survive!

      Reply

  22. Avatar
    clash-of-cheats.blogspot.com

    I wanted to thank you for this vety good read!! I definitely enjoyed evedry little bit of it.
    I hae got you saved aas a favorite to look at new stuff youu post…

    Reply

  23. Avatar
    a

    Thanks for finally writing about >Our $5 Trip to the ER –
    My Life, I Guess… <Liked it!

    Reply

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