YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS
(OMB Control Number: 0938-1401)
When you get emergency care or get treated by an out-of-network provider at a
non-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 healthcare 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 protection 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.
In the state of Virginia, medical providers, such as Moving Forward, that are out-of-network and do not have an agreement with the insurance company may “balance bill” if you receive covered services from an out-of-network provider, and the cost of these services is more than the allowed amount. The provider may be permitted to bill you for the difference. In some circumstances, you may be protected from balance billing. For example, if you are treated by a Virginia doctor in an emergency room, the law may protect you.
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:
- Cover emergency services without requiring you to get approval for services in advance (prior authorization).
- Cover emergency services by out-of-network providers.
- 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.
- 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 contact: Contact: Virginia Department of Health: Board of Counseling at Perimeter Center 9960 Mayland Drive, Suite 300, Henrico, Virginia 23233-1463; Phone: (804) 367-4610; Fax:(804) 767 6225; Complaints: (800) 533-1560. Hours: Mon-Fri 8:15 to 5:00 (except holidays).
Visit:https://www.cms.gov/files/document/model-disclosure-notice-patient-protection
s- against-surprise-billing-providers-facilities-health.pdf for more information about
your rights under Federal law.