When you receive emergency care or are treated by out-of-network providers at an in-network facility, you are legally protected from unexpected balance billing. Under these protections, you cannot be charged more than your health plan’s standard in-network cost-sharing amounts for emergency services or specific hospital-based specialties like anesthesia, radiology, and pathology.

You are never required to give up these federal protections or seek out-of-network care, and you always retain the right to choose in-network providers for your healthcare needs. For complete details on your rights and protections against surprise medical bills, please reach out to our team or review federal healthcare guidelines.