You are rushed to an out-of-network emergency room. After you are stabilized, the hospital wants to admit you. What is a key right you have at this point?

The No Surprises Act protects you from balance billing for emergency stabilization at any facility, but post-stabilization care is more nuanced. Once you are medically stable, you have the right to be transferred to an in-network facility, and insurers are required to cover out-of-network post-stabilization care at in-network rates unless you consent to out-of-network charges in writing. Proactively contacting your insurer from the emergency room, if possible, to arrange an in-network transfer during an extended stay can significantly reduce your total out-of-pocket exposure.