Question 8 of 15
Now turn the last question around. Same HMO, same narrow network, but this time you are traveling and something goes badly wrong.
You have an HMO with a network in one city. On a trip three states away, you go to the nearest emergency room with chest pain. How does your plan have to treat that visit?
Correct. Not quite. Most health plans must cover emergency services anywhere in the United States without prior authorization and at in-network cost sharing, and out-of-network emergency providers generally cannot bill you for the balance. Whether it counts as an emergency is judged by your symptoms, not the final diagnosis. Chest pain that turns out to be indigestion is still an emergency visit. Follow-up care after you are stable goes back to the network rules.