jsavell 1 Aug 30, 2017 01:36 PM Hospital Options I experienced fine care at Cottage ER and Hospital after going into shock following eating bad oysters. It doesn't matter whether the ER physicians are in a contracted group or are directly employed by the hospital. And all ER bills are outrageous unless you have insurance. The greatest value of insurance is how much lower the contracted rate is, not what they pay. The contracted rate for a $10,000 ER bill might be $1000 so even if you are in the deductible you will only be obligated for $1000. We are fortunate to have such a fine hospital serving our community.