What Are Essential Health Benefits?
http://obamacarefacts.com/essential-health-benefits/
Insurance plans can't require higher copayments or coinsurance if you get emergency care out-of-network and they cannot require prior approval either. All non-emergency care must be done in-network to be covered and may require prior approval.
If your insurer is trying to bill you for the care you may have to appeal their decision
所以如果你是工作的保險,你應該問你的 HR.. 如果你是 OB care, 對方不應該再要您支付額外的費用...