If the need to go the emergency room suddenly arises, your first instinct is likely to be a phone call to 911—not to wonder how much an emergency room visit may cost you. And in an emergency, getting the right care, and getting it fast, should be the focus.

“If you’re having a heart attack, you’re not going to ask if the doctor treating you takes your insurance,” says Karen Pollitz, a senior fellow at the Kaiser Family Foundation.