Balance Billing: What It Is and How to Protect Yourself

Balance billing occurs when a provider bills you for the difference between their charge and what the insurer paid. Surprise billing, especially after emergency or out-of-network care, has received regulatory attention and protections.

Your rights

Federal and state laws may protect you from surprise billing depending on the scenario. Review your situation and consult consumer protection resources if you receive a surprise bill.

Disputing balance bills

Ask for detailed explanation, file appeals with your insurer, and request mediation through state programs where available.