Medical Coverages and Limitations include but are not limited to:

A medical condition manifesting itself by acute symptoms of sufficient severity (including severe pain) such that a prudent layperson, who possesses an average knowledge of health and medicine, could reasonably expect the absence of immediate medical attention to result in:

1.  Placing the health of the individual (or, with respect to a pregnant woman, the health of the woman or her unborn child) in serious jeopardy,
2.  Serious impairment to bodily functions, or
3.  Serious dysfunction of any body organ or body part.
If taken to an out-of-network emergency room, those ER charges will be treated as though the hospital was participating (Note:  The provider may balance-bill you for charges that exceed BCBSIL’s “allowable amount.”)  If the patient is admitted for an in-patient stay, in-patient charges will be treated as out-of-network. 
CAUTION:  physicians attending in the ER may not be participating and can balance-bill any charges over the usual and customary allowable amount.