The No Surprises Act, which bans most unexpected medical charges from out-of-network providers, is scheduled to go into effect January 1.
It will apply to about 10 million surprise bills a year, according to federal estimates.The new law, which Congress approved in late 2020 after a multitude of delays, protects patients when they receive emergency care or scheduled treatment from doctors and hospitals that are not in their insurance networks and that they did not choose. Consumers would be responsible only for their in-network cost-sharing in these situations.
Also, the law covers non-emergency care from out-of-network providers at in-network facilities -- such as an out-of-network anesthesiologist working with an in-network surgeon or an out-of-network radiologist reading an X-ray ordered by an in-network doctor.In these situations, consumers are responsible only for their in-network deductibles, copays or coinsurance.
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