HMSA plans cover the use of an emergency room when a member, acting as a prudent layperson, could reasonably expect the absence of immediate medical attention to result in:
- Serious jeopardy to the health of the individual (or, with respect to a pregnant woman, the health of the woman and her unborn child)
- Serious impairment to bodily functions
- Serious dysfunction of any bodily organ or part
Examples of Appropriate Use
Examples of a behavioral health emergency for which the use of an emergency room is appropriate include the following:
- Suicide attempt or intent to harm self
- Homicidal ideation resulting from mental illness
- Inability to function because of confusion or difficulty in thinking
- New or recent onset of hallucinations
- Extreme shakiness after ceasing to drink alcohol or ceasing the use of prescription medications (e.g., benzodiazepines or barbiturates)
- New or recent onset of fearfulness or paranoia
- Extreme anxiety (e.g., shortness of breath, rapid heart rate, shakiness) where the member believes he or she is having a heart attack or other life-threatening medical event
- Severe, acute exacerbation of a chronic mental condition
Examples of Inappropriate Use
The emergency room should not be used:
- To refill medications
- When the patient has no place to stay
- When the patient cannot sleep
- For non-life-threatening reasons (e.g., the patient needs to talk to someone, but cannot reach his or her usual behavioral healthcare provider)
Revision History
| Date | Nature of Revision |
|---|---|
| 08/03/2026 | Migrated to new platform |