This video emphasizes the protocols for dealing with medical emergencies out of state:
- In genuine emergencies, prioritize getting to the hospital immediately without contacting your insurer for pre-approval.
- Emergency care received from out-of-network providers will not be subject to higher charges than in-network services.
- Patients may still owe standard in-network fees for emergency care, such as deductibles and copayments.
- Coverage applies to actual emergencies; subjective assessments of what constitutes an emergency (e.g., a bad cold perceived as urgent) may not be covered.
- Exercise good judgment in determining what constitutes a true emergency to ensure coverage applies.
