Does insurance cover out of state emergencies?

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.

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