Which statement correctly describes emergency services coverage under the ACA and network rules?

• A. Balance billing allowed in emergencies.
• B. Emergency services must be covered without regard to network status, and patients should not face higher cost-sharing for emergencies; balance billing restrictions may apply.
• C. Emergency services are covered at a higher cost-sharing level than non-emergency services.
• D. Balance billing is allowed for emergencies in non-network situations without restrictions.

Answer: (D)