No Surprises Act - Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs such as a copayment, coinsurance, and/or a deductible. You also may have other costs or have to pay the entire bill if you receive care from a provider that is “out-of-network” for your health plan’s network.

“Out-of-network” means the provider has not signed a contract with your health plan to provide services.  Out-of-network providers may be allowed to bill you for the difference between what your plan agreed to pay and the full amount charged to the plan for a service. This is called “balance billing.” This amount may be more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider that you do not or cannot choose.

You are protected from balance billing for:

Emergency services

 

If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility typically may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get at the facility caring for you after you’re in stable condition.

Certain services at an in-network hospital or ambulatory surgical center

 

When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

 

If you get certain other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.

State-specific Rules

Some states have their own laws relating to balance or surprise billing for out-of-network laboratory or pathology services that may be different from those described here, including the states listed below. The links below contain state specific balance billing information and resources, including contact information for state agencies that may be able to help you further. 

You’re never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.  

MISSISSIPPI RESIDENTS

MISSISSIPPI LAW MAY PROVIDE PROTECTIONS TO YOU AND ALLOW PGL TO BILL YOU FOR AMOUNTS THAT ARE DIFFERENT FROM THOSE PROVIDED BY THE FEDERAL LAW AS DESCRIBED IN YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLING

 

FOR MORE INFORMATION REGARDING YOUR PROTECTIONS AGAINST SURPRISE BILLING OR TO LEARN ABOUT MAKING A COMPLAINT CONTACT OR VISIT: 

Mississippi Insurance Department, Office of the Insurance Commissioner
Address: Mississippi Insurance Department, P.O. Box 79, Jackson, MS 39205
Telephone: 601-359-3569
Email: mike.chaney@mid.ms.gov
http://www.mid.ms.gov  or 
http://www.mid.ms.gov/healthcare/questionsanswers/TopicTwo.pdf

TEXAS RESIDENTS

TEXAS LAW MAY PROVIDE PROTECTIONS TO YOU AND ALLOW PGL TO BILL YOU FOR AMOUNTS THAT ARE DIFFERENT FROM THOSE PROVIDED BY THE FEDERAL LAW AS DESCRIBED IN YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLING 

 

FOR MORE INFORMATION REGARDING YOUR PROTECTIONS AGAINST SURPRISE BILLING OR TO LEARN ABOUT MAKING A COMPLAINT CONTACT OR VISIT: 

Texas Department of Insurance
Phone: 800-252-3439
website: https://www.tdi.texas.gov/tips/texas-protects-consumers-from-surprise-medical-bills.html

When balance billing isn’t allowed, you also have these protections: 

  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles) that you would pay if PGL was in-network. Your health plan will pay PGL directly.

  • Your health plan generally must:

    • Cover emergency services without requiring you to get approval for services in advance (prior authorization).

    • Cover emergency services by out-of-network providers.

    • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.

    • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

 

If you think you’ve been wrongly billed: you may file a complaint with the federal government at https://www.cms.gov/nosurprises/consumers or by calling 1-800-985-3059; and/or file a complaint with your state balance billing regulator, if any, which is identified in the state-specific tabs. 

 

Visit https://www.cms.gov/nosurprises for more information about your rights under federal law or visit your home state regulator’s website (included in state links above) for more information about your state balance billing rights.