If you are unsure about your insurance coverage, contact your provider and ask the following questions:

• Does my health insurance plan include mental health benefits?
• Is there a limit to the number of sessions covered by my plan?
• Do I have a deductible? If so, what is it, and have I met it this year?
• Do I need written approval from my primary health care professional prior to receiving mental health care services?

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 may have other
costs or have to pay the entire bill if you see a provider or visit a health
care facility that isn’t in your health plan’s network.

“Out-of-network” describes providers and facilities that haven’t signed a contract with your
health plan. Out-of-network providers may be permitted to bill you for the
difference between what your plan agreed to pay and the full amount charged for
a service. This is called “balance billing.”
This amount is likely 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.

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 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 after you’re in stable
condition, unless you give written consent and give up your protections not to
be balanced billed for these post-stabilization services.

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 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.

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.

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

·      You are only responsible for paying
your share of the cost (like the copayments, coinsurance, and deductibles that
you would pay if the provider or facility was in-network). Your health plan
will pay out-of-network providers and facilities directly.

·        Your health plan generally must:

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

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

o   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.

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

If you believe you’ve been wrongly billed, you may visit www.cms.gov/nosurprises or call 1-800-985-3059.

You have the right to receive a “Good Faith Estimate” explaining how much your health care will cost

Under the law, health care providers need to give patients who don’t have certain types of health care coverage or who are not using certain types of health care coverage an estimate of their bill for health care items and services before those items or services are provided.

•You have the right to receive a Good Faith Estimate for the total expected cost of any health care items or services upon request or when scheduling such items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

•If you schedule a health care item or service at least 3 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate inwriting within 1 business day after scheduling. If you schedule a health care item or service at least 10 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after scheduling. You can also ask any health care provider or facility for a Good Faith Estimate before you schedule an item or service. If you do, make sure the healthcare provider or facility gives you a Good Faith Estimate in writing within 3business days after you ask.

•If you receive a bill that is at least $400 more for any provider or facility than your Good Faith Estimate from that provider or facility, you can dispute the bill.

•Make sure to save a copy or picture of your Good Faith Estimate and the bill.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises/consumers, email FederalPPDRQuestions@cms.hhs.gov, or call 1-800-985-3059.

PRIVACY ACT STATEMENT: CMS is authorized to collect the information on this form and any supporting documentation under section 2799B-7 of the Public Health Service Act, as added by section 112 of the No Surprises Act, title I of Division BB of the Consolidated Appropriations Act, 2021 (Pub. L. 116-260). We need the information on the form to process your request to initiate a payment dispute, verify the eligibility of your dispute for the PPDR process, and to determine whether any conflict of interest exists with the independent dispute resolution entity selected to decide your dispute. The information may also be used to: (1) support a decision on your dispute; (2) support the ongoing operation and oversight of the PPDR program; (3) evaluate selected IDR entity’s compliance with program rules. Providing the requested information is voluntary. But failing to provide it may delay or prevent processing of your dispute, or it could cause your dispute to be decided in favor of the provider or facility.