Do I need to worry about tiers in the event of an emergency?
No. If you have an emergency, you should visit the nearest hospital. Emergency room services, in addition to a few other services, have the same cost-sharing across all tiers. Please note that if you are admitted to an in-network hospital from the emergency room, the cost-sharing for inpatient hospital care will apply based on the tier of the in-network hospital. If you are admitted to an out-of-network hospital following an emergency room admission, the Tier 3 â€“ Standard level of benefits (highest cost-sharing) will apply. Learn more.