Summary
The No Surprises Act protects patients from many unexpected medical bills, particularly when out-of-network providers treat patients at in-network hospitals or during emergencies. The law generally limits patients to in-network cost-sharing and protects them from balance billing for eligible services. However, the protections have important exceptions. Ground ambulance services, for example, remain outside the federal law. Patients can also face higher bills when deductibles, coinsurance, or uninsured services apply, or when they knowingly choose an out-of-network provider. Money advises consumers to understand their rights and challenge questionable bills through the federal No Surprises Help Desk, CMS, or state regulators.
Money
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