Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing.
In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible. Read the attachment for more information.

Upon an individual’s scheduling of items or services, or upon request, a provider or facility must ask if the individual is enrolled in a health benefit plan or health insurance coverage. For individuals without health insurance coverage or individuals who do not plan to file a claim for the item or service, starting Jan. 1, 2022, the provider or facility must give the individual a good faith estimate of the expected charges for furnishing the scheduled item or service and any items or services reasonably expected to be provided in conjunction with those items and services. Review the "Right to Receive a Good Faith Estimate of Expected Charges" below for more information.