> 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.