5. Check ER Bills Carefully
You should be charged in-network rates for most of the care you get at the ER. During your stay, though, you might be treated by someone outside your network. This could be a technician or a specialist. Those providers can bill you directly for the difference between what they charge and what your health plan pays. Most plans will cover all ER fees when you're treated for a true emergency. But you may have to submit them yourself to your insurance company.
Check all your ER bills and insurance reports carefully.