If you are admitted into a hospital for monitoring and observation, your co-payments, co-insurance, and deductibles will apply. Try to go to a hospital that is considered in-network by your health insurance plan. Many health plans do not provide coverage for out-of-network care.
In-network simply means that the hospital or provider has a contract with your insurance company. Contact your insurance company or visit its website for a list of in-network hospitals and providers.
Comprehensive health insurance plans typically cover emergency care regardless of the location, but it is always good to check your health insurance company’s network list of hospitals and providers, if possible.
Oregon’s balance billing law prohibits out-of-network providers working in an in-network facility from charging out-of-network rates to a patient. It also requires insurers to apply the in-network consumer cost-sharing amount to these services.