Surprise Bill Protection
The No Surprises Act protects you from unexpected medical bills. Know your rights and learn how to fight unfair charges.
Services Protected by the No Surprises Act
Emergency Services
All emergency room visits at any hospital
Air Ambulance
Emergency air transportation services
Out-of-Network at In-Network Facilities
Anesthesiologists, radiologists, pathologists at in-network hospitals
Services NOT Protected
These services may still result in balance billing
- Ground ambulance services
- Out-of-network services where you gave written consent
- Post-stabilization care after you could safely transfer
How to Dispute a Surprise Bill
Review Your Bill Carefully
Check for billing codes, dates of service, and provider information. Request an itemized bill if needed.
Contact Your Insurance First
Call the member services number on your insurance card. Ask why the claim was processed as out-of-network.
File a Formal Appeal
Submit a written appeal within 180 days. Include all supporting documents.
Request Independent Dispute Resolution (IDR)
If your appeal is denied, you can request federal IDR within 4 months.
Download Dispute Letter Template
Use our pre-written template to formally dispute surprise medical bills.
Frequently Asked Questions
Need Help Fighting a Medical Bill?
Our negotiation tools generate dispute letters, flag billing errors, and compare your bill against local market data — helping members pursue reductions on eligible bills.
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