Yes. Federal law says that any health plan that covers emergency services has to pay for them, even if the doctor or hospital is not in your plan’s network. Also, your plan can’t charge you more for an out-of-network copayment or coinsurance for emergency services than it would if the services were done in-network. But in states that allow balance or surprise billing, an out-of-network provider can charge you the difference between what the insurance company paid and what the provider charged. In this case, you may have to pay more for emergency care out of pocket.