This video emphasizes the protocols for dealing with medical emergencies out of state:

• In genuine emergencies, prioritize getting to the hospital immediately without contacting your insurer for pre-approval.

• Emergency care received from out-of-network providers will not be subject to higher charges than in-network services.

• Patients may still owe standard in-network fees for emergency care, such as deductibles and copayments.

• Coverage applies to actual emergencies; subjective assessments of what constitutes an emergency (e.g. a bad cold perceived as emergency) may not be covered.

• Exercise good judgment in determining what constitutes a true emergency to ensure coverage applies.