ER doctors never ask the question but often think: “Why did you call an ambulance for a sore throat?!” The trip costs at least $1000 and stands a chance of not being covered by insurance. The ambulance crew feels bad they don’t have a more appropriate option but if you call an ambulance — you get an ambulance.
Kaiser Health News reports the South Metro ambulance company in a suburb of Denver Colorado is trying a new service. An ambulance that is basically an ER in a box. Equipped with lab tests, bandages, sutures and a few medications they go to a home to treat a problem rather than transport a person to the ER. It costs about $500 — at this point, it is something insurance will not cover.
Here are two extremes:
- A single parent picks up their child from a family member after working 2 jobs at fast food restaurants. The parent just got the jobs after 3 months of being unemployed. The primary care doctor’s office is closed and the parent is expected at work in about 7 hours. But, the child has a fever and a sore throat. The bus they usually catch to go to the hospital does not run after 8 PM. The parent calls an ambulance.
- A woman drops a martini glass and cuts her finger. Her husband thinks she needs stitches but he has some after hours stock trading to do before bed. He tells the butler to call an ambulance and get the problem resolved.
The first case is common for Medicaid families. No resources, no car, and not much to lose by calling an ambulance. But, something to gain by not missing time at a new job and it helps the child on both counts. The ambulance and ER visit may cost Medicaid over $1000. But, during the day a visit to primary care might only cost $50.
The second case is crying for concierge care. The family has the cash to pay for someone to come to the house and put a few stitches in a finger. But, instead the problem clogs up the ER that should be dealing with heart attacks and car wrecks. Again, if the problem happened earlier in the day a primary care office or urgent care clinic could have solved the problem.
One could see Medicaid having a fleet of mobile treatment units just to limit the financial losses in the ER. Actually, a good idea. Both cases might have solved their problems by taking a taxi to an urgent care clinic — if one was open.
Will the “ER in a box” find a place? — at least a place where someone will pay them? The idea leans toward the concierge model. No insurance is going to pay for an ambulance when a taxi will work. No insurance company will pay extra just for the convenience of one patient.
Nice idea, but it’s not likely to fly financially.