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The No Surprises Act (“NSA”) is a federal law that was enacted under the Consolidated Appropriations Act. The NSA protects patients from unexpected medical bills occurring in emergency situations or when they receive care from out-of-network providers at the facilities of in-network providers. This type of billing is commonly referred to as “surprise billing.” The Act prohibits out-of-network providers from directly billing patients for certain services and instead requires them to seek payment from the patient’s health plan. If a patient is uninsured or opts for self-pay for a service, the NSA’s protections often provide the opportunity to get a good faith estimate of the cost of care up front.

The Difference Between In-Network and Out-of-Net

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