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Do consumers have access to emergency care out-of-network?

Yes, the ACA requires any health plan that provides benefits for emergency services to cover them regardless of whether the provider is in or out of the network. Under the ACA, health plans aren't allowed to charge a higher co-insurance, or co-payments for out of network services received in an emergency. In addition, Nebraska prohibits balance billing for emergency care received out-of-network, meaning only in-network rates will apply for all emergency care.

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