> God forbid you have an accident and you end up at the wrong hospital when the one down the road is in-network but the one they took you to is out-of-network and you wake up owing thousands of dollars.
If you examine the statement of benefits for your plan, you will find that it says something similar to this:
> Emergency Services are covered at the in-network cost-sharing level as required by applicable state or federal law if services are received from a non participating (out-of-network) provider.
> The member is responsible for applicable in-network cost-sharing amounts (any deductible, copay or coinsurance). The member is not responsible for any charges that may be made in excess of the allowable amount.
If you examine the statement of benefits for your plan, you will find that it says something similar to this:
> Emergency Services are covered at the in-network cost-sharing level as required by applicable state or federal law if services are received from a non participating (out-of-network) provider.
> The member is responsible for applicable in-network cost-sharing amounts (any deductible, copay or coinsurance). The member is not responsible for any charges that may be made in excess of the allowable amount.