[header] How to pay for the emergency room [title] Know where you're covered. [step] Choosing the right hospital can make all the difference. Do your research before you need to go to the emergency room so you will know exactly where to go when an emergency happens. 
[substeps] If you have insurance, make sure you know which hospitals are considered in-network and which are considered out-of-network. Your bill will likely be much lower if you choose an in-network facility.