Great River Eye Clinic
Great River Eye Clinic
Great River Eye Clinic

No Surprise Billing

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing if you are enrolled in a group health plan, group or individual health insurance coverage, or a Federal Employees Health Benefits Plan. In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible.

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, insurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care 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-ofnetwork 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.

Minnesota state law protections

In Minnesota, state law governs how much patients covered by fully insured commercial plans will pay for certain unauthorized, non-emergency services and unauthorized emergency services. 

For more information about your rights under Minnesota state law, please contact the Minnesota Department of Commerce. If you think you’ve been wrongly billed, you may:

  • File a complaint with the federal government at www.cms.gov/nosurprises/consumers or by calling 1-800-985-3059. 

Visit www.cms.gov/nosurprises for more information about your rights under federal law.

 

Good Faith Estimate Disclosure

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.

Under the law, health care providers need to give patients who don’t have certain types of health care coverage or are not using certain types of health care coverage an estimate of the bill for medical items and services before those items or services are provided.

 

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergencyitems or health care items or services upon request or when scheduling such items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

  • If you schedule a health care item or service at least 3 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 1 business day after scheduling. If you schedule a health care item or service at least 10 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after scheduling. You can also ask your health care provider or facility for a Good Faith Estimate before you schedule an item or service. If you do, make sure the health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after you ask.

  • If you receive a bill that is at least $400 more for any provider or facility than your Good Faith Estimate from that provider or facility, you can dispute the bill.

  • Make sure to save a copy or picture of your Good Faith Estimate and the bill.

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 mcan't balance bill you, unless you give written consent and give up your protections.

When balance billing isn't allowed, you also have the following protections:

You're never required to give up your protections 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.

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 www.cms.gov/nosurprises/consumers for more information about your rights under federal law. You can also contact The Centers for Medicare & Medicaid Services or by calling 1-800-985-3059.

Stacy Sjoberg, M.D., Ph.D. Adam Ahlquist, MD Dr. Joseph Merck
Babe Winkelman LASIK at GREA
Babe Winkelman LASIK at GREA
Great River Eye Clinic Dr. Sjoberg Dr. Ahlquist Dr. Merck Dr. Sjoberg Dr. Ahlquist Dr. Merck Great River Eye Clinic