For emergency services, all medical options pay 80 percent of covered charges after the deductible is met. In all instances, you are responsible for paying your deductible and copayments.
If you are in need of emergency care:
If you go to an ER and are admitted to an out-of-network hospital or other facility, once the emergency is addressed, you may need to transfer to a network provider to continue to receive the network level of benefits.
Note: Admissions to behavioral care and substance use disorder programs and facilities must be pre-certified.
Consider alternatives to a hospital emergency room if taking the time to examine your options will not put your health at risk. Other sources of medical care are