目前隻有紐約州在out of network billing protection上是走在最前麵的，

隻要是在in network的醫院受到的治療，州法不允許out of network 醫生向病人開出balance billing, 無論是emergency還是non emergency。

新澤西州out of network 醫生還是有可能向病人要餘額的：

Balance billing of the patient, however, is not explicitly prohibited in many situations; thus, in some circumstances, a provider may seek payment of the balance of its charges for emergency care that is over the insurer's “reasonable” payment.