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Plain-language guides to choosing where to get care and how insurance networks work. Not a clinic search, not insurance advice. Operated by AdvancedCare USA Inc.

The No Surprises Act

The No Surprises Act is a federal law that took effect on January 1, 2022. It applies to most types of health insurance and protects people from certain unexpected out-of-network medical bills. CMS runs the consumer help line and complaint process.

Last reviewed against MedlinePlus, HealthCare.gov, and CMS pages linked on this page on .

Surprise bills it covers (CMS)

  • Emergency room visits
  • Non-emergency care related to a visit to an in-network hospital, hospital outpatient department, or ambulatory surgical center
  • Air ambulance services

If you do not use insurance

CMS says providers usually must give you a good faith estimate of what your care will cost if you ask for one or schedule services at least 3 business days in advance. You may be able to dispute your bill if it is at least $400 more than the estimate.

Getting help

For a specific bill, use CMS’s medical bill rights page (opens in a new tab), which has an action-plan tool, or call the No Surprises Help Desk at 1-800-985-3059. CMS also takes complaints if you believe a facility, provider, or insurer is not following the rules. This site cannot review your bill.

Common questions

Does the No Surprises Act apply to ground ambulances?
CMS’s summary lists air ambulance services, not ground ambulances. Check CMS and your state’s rules for ground ambulance billing.
When did the No Surprises Act take effect?
January 1, 2022, according to CMS.

Sources

  1. Medical bill rights (No Surprises Act) (opens in a new tab) — Centers for Medicare & Medicaid Services (CMS)

Questions about this page

Tell us if something here is unclear or out of date. We cannot recommend a clinic, check your insurance, or advise on your care. In an emergency, call 911.

We can’t answer questions about your own diagnosis, medication, or treatment — please ask your prescriber. We also can’t book appointments, check your insurance, or refer you to a clinic.

Get in touch

Last reviewed against MedlinePlus, HealthCare.gov, and CMS pages linked on this page on .

Definitions and rules on this page come from the sources listed. If one has changed, tell us and we will correct it.

The No Surprises Act: What It Protects You From