If a hospital stay is in-network but the on-call cardiologist is out-of-network, and you owe no copayment or deductible, will you be responsible for the out-of-network charges?

• A. Yes, you must pay the difference
• B. No, the plan will cover the whole bill
• C. Yes, but only if you signed a waiver
• D. No, because care was obtained at an in-network facility; balance billing is prohibited

Answer: (D)