Q&A: No surprises

Your deductible and out-of-pocket maximum amounts have been added to your ID card due to new federal requirements. Your copays have been removed from your ID card to allow the addition of your deductible and out-of-pocket maximum amounts.

Review your member benefit documents for any additional financial responsibilities related to medical or pharmacy benefits.

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.

See additional information on applicable state-specific balance billing laws or state-developed model language.

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 can’t balance bill you, unless you give written consent and give up your 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.

If you are enrolled in a commercial plan (individual, small group, large group, self-funded, level-funded, Medicare Supplement plans) the No Surprises Act applies.

The No Surprises Act does not apply to Medicaid and Medicare (except for Medicare Supplement).

Your Explanation of Benefits has been updated to include explanations of surprise billing protections for members for certain services. See an electronic copy of this notice.

The federal government has deferred enforcement of this requirement until further rulemaking is published. We will update this page when a timeline has been defined.

You may receive an additional document from a provider stating that you are protected from surprise billing, however, you may elect to waive these protections. You are not required to waive these protections.

If you sign this form, you may pay more because:

  • You are giving up your protections under the law.
  • You may owe the full costs billed for items and services received.
  • Your health plan might not count any of the amount you pay toward your deductible and out-of-pocket limit. Contact the Customer Care Center at 800-279-1302 with any questions.