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Surprise medical bills are bills you receive from out-of-network providers for emergency or non-emergency care at an in-network hospital or facility. These bills can be thousands of dollars, and they can be very difficult to pay.
In 2022, the No Surprises Act went into effect, which provides new protections against surprise medical bills. However, there are still some things you can do to protect yourself:
Understand your health insurance coverage. Know what services are covered and what your out-of-pocket costs will be.
Ask about the provider’s network status. Before you receive any care, ask the provider if they are in your insurance network.
Get a good faith estimate. You can request a good faith estimate of the cost of care from the provider before you receive it.
Negotiate your bill. If you receive a surprise bill, you may be able to negotiate the amount with the provider.
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