Emergency Care
Services you get for a sudden, serious illness, injury, or condition that could lead to serious harm, disability, or death if not treated right away.
Detailed Explanation
Emergency care is typically covered even if you go to an out-of-network hospital, although your cost-sharing might be higher.
Practical Example
John experienced severe chest pain and went to the nearest emergency room. The medical team determined he was having a heart attack and provided immediate treatment. His health insurance plan covered the emergency care, although he had a higher co-pay for the out-of-network facility.
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