Medical bills
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Step-by-step: if you get a surprise bill

  1. Check if protections apply

    Was it emergency care or an out-of-network provider at an in-network facility?

  2. Contact the provider

    Explain that you believe the No Surprises Act applies.

  3. Contact your insurer

    Ask them to reprocess the claim.

  4. File a complaint

    Use the No Surprises Help Desk listed on cms.gov.

  5. Keep records

    Save bills, EOBs and notes.