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
- 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Tell us if something here is unclear or out of date.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.