Medical Treatment 101

This is for those that need a reminder – medical treatment can’t be denied to any person in the United States in time of an emergency. Money doesn’t come into the question because the hospital must triage you and stabilize you by federal law.

The law is called Emergency Medical Treatment & Labor Act (EMTALA) and it went into effect in 1986. This was done to ensure public access to emergency services regardless to the ability to pay. (https://www.cms.gov/Regulations-and-Guidance/Legislation/EMTALA/)

The exact wording from the page is “In 1986, Congress enacted the Emergency Medical Treatment & Labor Act (EMTALA) to ensure public access to emergency services regardless of ability to pay. Section 1867 of the Social Security Act imposes specific obligations on Medicare-participating hospitals that offer emergency services to provide a medical screening examination (MSE) when a request is made for examination or treatment for an emergency medical condition (EMC), including active labor, regardless of an individual’s ability to pay. Hospitals are then required to provide stabilizing treatment for patients with EMCs. If a hospital is unable to stabilize a patient within its capability, or if the patient requests, an appropriate transfer should be implemented.”

The other major component of medical treatment 101 is for those who have lost their jobs and have their medical through the job that they had. It is called Consolidated Omnibus Budget Reconciliation Act (COBRA). It came out in 1985 Cobra gives workers who have lost their jobs to pay up to 102% of the cost of the plan. This site gives a lot of information and a way to contact the US Department of Labor (https://www.dol.gov/general/topic/health-plans/cobra)

There is no one who should be without insurance. If you don’t and have to go to the hospital there is something that they don’t like to talk about and that is they have a charity fund.

I know that money talks but guess what … if you are sick you need medical more than the money – your life is more valuable.

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