How can I help someone with an ER visit bill?

A trip to the emergency room can be terrifying on its own—then the bills arrive. Even with insurance, ER visits often come with unexpected charges and confusing paperwork that can feel overwhelming and unfair. Take a moment to prepare yourself with the information below so you can show up as their friend and support partner.

Disclaimer: We strive to keep the information on this page accurate and up to date. However, programs and requirements can change, and we may not always be aware of those changes immediately. If you notice any outdated or incorrect information, or if you have suggestions for additional resources we should include, please reach out to your community's Resources and Opportunities (R&O) manager to make them aware of the changes needed.

Ask Coaching Questions

Seek Clarity:

1. What hospital is the bill from?
2. Review the bill carefully - does it line up with the care you received?
3. Do you have health insurance? If so - what is your insurance?
4. What is your household income?

Get to the Root:

Not all medical emergencies can be prevented but some can…

1.  
   1. Do you have Health Insurance?
   2. Do you have a Primary Care Provider?
   3. Do you get regular check ups?
   4. Do you feel comfortable calling your PCP’s office when you’re sick or have a minor injury?

Ask About Options:

1. How much can you afford to spend on your bill this month?
2. Who have you asked for help?
3. What have you tried so far?
4. Have you been in this situation before? If so, how did you handle it?
5. Do you know anyone who has been in this situation before? If so, how did you handle it?
6. Do you have any friends or family who could lend you money to cover your bill this month?

Take Steps to Advocate

1. Call the billing department at the hospital and ask for the bill to be forgiven.
2. They will likely ask for proof of your income/assets.
3. If you agree you are unable to pay you will either forgive or reduce your bill
4. If you reduce your bill you can ask for a payment plan that you can afford (even $10-$15/month)
5. Ask for a patient advocate at the hospital to help you understand your bill and navigate the conversation with the billing department

**Keep track of who you talk to, what you said, and the dates of the call

Connect with Resources

Get Advice/Information

1. Maryland Attorney General’s Website
2. Financial Assistance for Uninsured Hospital Visits

Address the Immediate Need

*We are not aware of any financial assistance programs that provide support for ER Bills

Attempt to Prevent Future Crises

1. Sign up for health insurance with HealthCare Access Maryland at 410-500-4710 or 1-855-288-3667
2. Find a Primary Care Physician
   1. Mercy Medical Center
   2. Hopkins Community Physicians
   3. Spanish health clinic
   4. Call your health insurance company and ask for a list of providers