What is the No Surprises Act?

The No Surprises Act is a federal law designed to prevent surprise billing in certain circumstances. Surprise billing occurs when a patient receives medical care from a provider or facility outside of their insurance network, and they are billed for costs beyond their in-network coverage. The law ensures that patients are only responsible for their in-network cost-sharing amounts, such as copayments, coinsurance, and deductibles, when they receive care under the following circumstances:

• Emergency Services: If you receive emergency care, the most you can be charged is your in-network cost-sharing amount, regardless of whether the provider or facility is in-network.

• Non-Emergency Services at In-Network Facilities: When receiving non-emergency care at an in-network facility, if any part of your care is provided by an out-of-network provider (such as anesthesiology, radiology, or laboratory services), you are still only responsible for your in-network cost-sharing amount.