Ask to talk with an economic counselor at the healthcare facility as well as review all your options if in doubt about the insurance coverage available to you for ER solutions. Some medical facilities might also bargain the costs if you challenge them and discuss a layaway plan for you based on a lower fee. It doesn't harm for low-income people to ask to be billed based on a Medicare or Medicaid price for services. Some health centers provide to discount emergency situation services by as much as half for uninsured or self-pay people.