The key here is the "out of network" clause. If you think you are safe by using a network or preferred hospital, think again! Providence Hospital, for one, Puma Suede Black Creepers may be a preferred provider but they hire ER docs who are not. So even if you have good insurance you can end up with a big bill that you have to pay. And I'm not talking about an unneccessary ER visit. This happened in Centralia to a patient who was vomiting blood five days afer abdominal surgery. There is no way to protect yourself from this Puma Suede Black Creepers since even if you were aware of this possibility and askthe Puma Suede Black Creepers hospital personel will tell you they can't discuss it!