When you get emergency care or are treated by an out-of-network provider at an in-network facility, you are protected from surprise billing.

What is Balance Billing?

Balance billing occurs when a provider bills you for the difference between their charge and what your insurance pays. Federal law protects you from this in many situations.

Your Protections

• You are only responsible for your normal cost-sharing amounts (copayments, coinsurance, deductibles).
• Your health plan will pay out-of-network providers and facilities directly.
• Emergency services must be covered without prior authorization.
• Providers may not ask you to waive these protections.

For questions, contact CMS at 1-800-985-3059 or visit www.cms.gov/nosurprises.