Americans are Saying Goodbye to Surprise Medical Bills
If you have health insurance and have received healthcare, then chances are that you have received an unexpected medical bill at one point or another. In fact, roughly one out of every five visits to an emergency room or urgent care facility results in an unexpected medical bill for the patient. As personal injury and accident attorneys, we here at Lavis Law Firm help clients with this regularly. As you may already know, the No Surprise Act, passed in early 2022, puts an end to these surprise medical bills. Americans across the political aisle agree that nobody wants to receive surprise medical bills. There are, however, some limitations. Let’s break it down.
All Americans are covered by this law. You will be covered by your insurance no matter who you receive care from at the emergency room or urgent care facility. Even if a specific doctor in an emergency department is technically out-of-network for your insurance plan, that will no longer matter or result in you receiving surprise bills. It is important to understand that copays and deductibles are not affected by this law and will still need to be paid. So, you might still see a bill as steep as the price of your deductible, but anything higher than that or unexpected is protected.
Unfortunately, though emergencies are covered once you get to the hospital, ambulance rides are still not covered by this law. In certain cases, such as a scheduled surgery requiring a specialist not covered under your insurance plan, you may still receive an additional bill for this person’s services. In these cases patients are still protected because they need to be made aware of any additional bills in advance and will be required to sign and agree before receiving a service. Of course, it is still important to be mindful when you schedule a procedure.
Also, while visits with out-of-network doctors are protected in emergency situations, they are not protected for routine care or a visit with a specialist. You will need to verify that they are in your network before scheduling an appointment or they could still send you a bill.
Contact Us with Questions
We hope this helped clear up the No Surprise Act for you, but if you still have questions Lavis Law Firm is for you and we are happy to help! Please feel free to send us a message and we will respond to you as soon as we can.