When I’m having a heart attack, or when I’m in anaphylactic shock - you know, some of the most expensive procedures that happen - I’ll make sure to confirm the ambulance is in network, the hospital, the specific first ER doctor, the specialist, the surgeon, the lab, the lab techs, the anesthesiologists and so on, while I’m either unconscious or actively dying.

Every insurance plan I've ever had makes exceptions to the in-network requiremnts for emergencies like that.