Surprise Billing

Surprise Medical Billing

Know your rights under the No Surprises Act.

Your Protections Against Surprise Bills

When you receive emergency care or are treated by an out-of-network provider at an in-network facility without your prior consent, you are protected from surprise billing and balance billing.

What the Law Protects

• Emergency Services: You cannot be billed more than in-network cost-sharing for emergency care, even from out-of-network providers.
• Non-Emergency Care at In-Network Facilities: You cannot be billed at out-of-network rates for services at an in-network facility without advance notice and consent.
• Air Ambulance Services: Balance billing protections apply to air ambulance services from out-of-network providers.
• No Retroactive Consent: Providers cannot ask you to give up your protections as a condition of receiving care.

If You Receive an Unexpected Bill

• Contact our billing department first — most issues can be resolved quickly
• Review your Explanation of Benefits from your insurer
• If balance billing occurred without your consent, file a complaint
• Contact the Centers for Medicare & Medicaid Services at cms.gov/nosurprises

File a Surprise Billing Complaint

To file a complaint regarding surprise billing: Call 1-800-985-3059 or visit cms.gov/nosurprises. You may also contact our billing team at info@ama-hpsc.com or 806-804-2494.