“I called admissions. I said, ‘Are y’all still in network with First Health?’ And he said, ‘Yes, we are.’ I thought OK, I’m on my way,” she said. The Jackson area hospital was in network. But the emergency room care was not. Four months later, that cost Mills an additional $1,800. Nearly 65 percent of hospitals across the country use emergency rooms staffed by outside companies. It’s a loophole that allows providers to charge patients more because the emergency rooms are considered out of network.