NO SURPRISES ACT

PATIENT PROTECTIONS AGAINST SURPRISE BILLING

As part of the federal No Surprises Act, patients are protected from unexpected medical bills in the following ways:

• Emergency Services: Surprise billing is prohibited for emergency care. These services must be billed as in-network, regardless of where they are provided, and cannot require prior authorization.

• Cost Sharing: For both emergency and certain non-emergency services, your co-pays, deductibles, and co-insurance cannot exceed in-network rates—even if the provider is out-of-network.

• Ancillary Services: You cannot be billed out-of-network rates for ancillary care (e.g., anesthesiologists, assistant surgeons) received at an in-network facility.

• Advance Notice Requirement: Providers must give a clear, plain-language notice and obtain your consent before delivering out-of-network care that may result in higher charges.

These protections are designed to improve transparency and prevent unexpected financial burdens in your care. If you have questions about your rights under this act, please don’t hesitate to ask.

How to Dispute a Surprise Medical Bill?

If you have questions about your rights or believe a provider is not following the No Surprises Act, you can file a complaint or seek assistance by contacting the No Surprises Help Desk:

• Phone: 1-800-985-3059 (Available 8 a.m. – 8 p.m. EST, 7 days a week)

• Online: Submit a complaint

Support is available to help ensure your rights are protected.