🛡️ What Is the No Surprises Act?

The No Surprises Act, effective January 1, 2022, is a federal law that protects you from unexpected medical bills, especially when you receive care from providers outside your insurance network without knowing it.

✅ What It Covers

• Emergency Services: If you go to the ER and the hospital or doctor is out-of-network, you won’t be stuck with a huge surprise bill. You’ll only pay your normal in-network costs.

• Non-Emergency Services at In-Network Facilities: If you’re treated by an out-of-network provider (like an anesthesiologist or radiologist) at an in-network hospital, you’re protected from surprise charges.

• Air Ambulance Services: These are also covered under the law, which is important since they’re often out-of-network and very expensive.

💡 What You Pay

You’ll only be responsible for your in-network cost-sharing (like copays, deductibles, and coinsurance). The rest is handled between your insurance and the provider.

📋 Your Rights

• You can appeal if your insurance denies coverage.

• You must receive a good faith estimate of costs if you’re uninsured or choose to pay out-of-pocket.

• Providers must give you clear information before treatment about whether they’re in-network.

⚖️ Dispute Resolution

If providers and insurers disagree on payment, they use a neutral arbitration process—not the client. Clients are kept out of the middle.

This law helps make medical billing more transparent and fairer, so clients can focus on their health—not hidden costs. If preferred, we can assist in helping understand the specific protections or reviewing a bill, we will walk you through it.