Know your rights
The No Surprises Act protects people who use private insurance or don't have or use insurance.
The No Surprises Act is a federal law that went into effect on January 1, 2022.
It protects people in the United States who:
- Use most types of private health insurance
- Don't use health insurance
- Don’t have health insurance
Read about your rights
In most cases, the No Surprises Act protects you from unexpected out-of-network bills from: emergency room visits; non-emergency care related to visits at in-network hospitals, hospital outpatient departments, and ambulatory surgical centers; and air ambulance services.
Not using insurance
Usually, providers must give you a good faith estimate of how much your care will cost. You may be able to dispute your bill if it’s at least $400 more than the estimate.
Ground ambulance services
Generally, ground ambulance services aren't covered by billing protections in the No Surprises Act (unless a state law has different rules). They're still allowed to charge out-of-network rates.
Vision-only and dental-only insurance
These balance billing protections generally don’t apply to vision-only and dental-only insurance plans, but they may apply if vision or dental benefits are included in your health plan.
Short-term limited duration and health care sharing ministry plans
Services covered by these plans aren't subject to the billing protections of the No Surprises Act.
Fixed indemnity excepted benefits plans, like hospital indemnity insurance
Services covered by these plans aren't part of the billing protections of the No Surprises Act.
Do you use Medicare, Medicaid, Indian Health Services, Veterans Affairs Health Care, or TRICARE?
These plans already protect you from some unexpected out-of-network bills.
But if you have a billing issue, we can help. Answer a few questions, and we’ll find an action plan that works for you.