Kaiser Health News: The new health reform law guarantees insurance companies must cover emergency care for their beneficiaries at hospitals in- or out-of-network at the same rate. "The law also bars health plans from requiring prior authorization for emergency services. And it mandates that plans follow the 'prudent layperson' rule. For example, if a person goes to the ER with chest pain, but ends up being diagnosed with indigestion, the claim has to be covered because going to the hospital under those circumstances made sense... 
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