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 (surprise billing)?

Health insurance plans typically cover a portion of medical bills that occur in-network (within a group of providers and facilities).
When you need out-of-network care unexpectedly, your insurance company may ask you to pay the difference between tin-network and out-of-network costs (called balance billing). This might not count toward your annual out-of-pocket limit. Balance billing has been called “surprised billing,” because you may receive a bill unexpectedly.

Protections against balance billing

Laws are in place to protect you from being billed more for out-of-network services than your in-network cost sharing amount (copay, coinsurance, or deductible).

Emergency care from an out-of-network provider or facility

The most you can be billed for emergency services is your plan’s in-network cost sharing amount. This includes services you may get after you are in stable condition, unless you sign a written consent allowing us to balance bill you for those services.

In-network hospitals, surgery centers, and facilities

You can only be billed your plans in-network cost sharing amount if you:

• Saw an out-of-network physician.
• Received out-of-network services for anesthesia, pathology, radiology, laboratory, or emergency care.
• Did not know that the provider you saw was out of your network or an in-network provider was not available.
• Did not anticipate needing the services you received.
• An in-network provider has taken a specimen from you for testing and sent it to an out-of-network testing facility without your written consent.

For services it listed above, your out-of-network provider must have your written consent to balance bill you. Signing the consent gives up your protection not to be balanced billed. The provider cannot ask you to give up this protection.

Other protections

When balance billing is not allowed, you are only responsible for paying your share of the costs (such as copayments, coinsurance, or the deductible that you would pay if the provider or facility was in-network.)

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 your cost sharing for emergency services on what it would ay an in-network provider or facility. This amount must be shown in your Explanation of Benefits.
  • Count any amount you pay for emergency services on what it would pay an out-of-network services toward your deductible and out-of-pocket limit.

You are not required to get care out-of-network; you can choose a provider or facility in your plan’s network.

You are never required to give up your protections from balance billing.

For more information

If you believe you have been wrongly billed, you may contact 1-800-985-3059.

Visit www.cms.gov/nosurprises/consumers for more information about your rights under federal law.
Visit www.ag.state.mn.us/consumer/health/default.asp for more information about your rights under Minnesota law.