The new law
The No Surprises Act of 2002 is one of the most consumer-friendly acts enacted by the United States Congress in decades.
It finally passed on December 27, 2020, but did not take effect until over a year later, which is rare.
The new law
- applies to almost every private health insurance plan and to all Affordable Care Act policies;
- covers almost every emergency service;
- requires insurance companies to bill policyholders only the median rate for an in-network emergency service, even if the provider is out-of-network;
- prohibits most balance billing;
- sets up a binding arbitration process to resolve payment disputes; and
- uses the federal government to help enforce state laws already in place and imposes fines up to $10,000 per violation.
However there are exceptions. Ground ambulances, which are usually out-of-network, are exempt. Fortunately, air ambulances are covered, as they can charge as much as $50,000.
Texas has had a more limited surprise medical bills law and mediation process for years.
We can help you fight these medical bills
If you were billed excessive amounts or have received large and unexpected medical bills after your car truck, 18-wheeler, motorcycle, or pedestrian collision, Berenson Injury Law can help you.
Further, the new law faces lawsuits filed by hospitals and doctor groups, so its final status is up in the air.
Even after the trials and appeals are finalized years from now, you can continue to expect excessive billing and problems. So this problem is by no means resolved.
We are hopeful the law will be upheld and this horrendous problem stops.
If you have any questions, call us at (888) 801-8585 or click here.