With the PPO plans, when you need emergency care and use an emergency room, you pay a $150 copayment and the Plan pays the balance of emergency room charges; no deductible applies. The emergency room copayment is waived if you are admitted to the hospital as an inpatient through the emergency room.

Eligible expenses for emergency health services provided by an out-of-network provider will be determined as described under "Eligible expenses."

With the HSA medical plans, emergency room care is subject to the deductible and coinsurance.

Eligible expenses for emergency health services provided by an out-of-network provider will be determined as described under "Eligible expenses"