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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
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Using insurance
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.
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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.
Exceptions
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.
Learn what you can do if you get an out-of-network ground ambulance bill.
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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.
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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.
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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.
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