(1) A medicare select policy or certificate must not restrict payment for covered services provided by non-network providers if:

(a) the services are for symptoms requiring emergency care or are immediately required for an unforeseen illness, injury or a condition; and

(b) it is not reasonable to obtain such services through a network provider.

(2) A medicare select policy or certificate must provide payment for full coverage under the policy for covered services that are not available through network providers.