Health insurance does not cover an ER visit caused by a broken femur and hip plus internal pain, because he was not admitted to the hospital??? What strange kind of health insurances you have over there! I am glad I a living in Europe / Sweden, when I hear stories like this. The state deducts one fixed amount of tax from my salary every month, which covers also health insurance. And for sure they will pay for an ER visit after a motorcycle accident like this one. They even call in a helicopter, whenever you report a motorcycle accident with injured riders! However I really hope this is wasted money and I will never see an ER from the inside!