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What should I do if I receive an unexpected bill for a service I did not know was out-of-network?

You can dispute an unexpected bill, referred to as a "surprise bill," for a service from a provider or facility that you did not know is not covered by your insurance plan. But first, it’s important to understand what a surprise bill is.

If you receive services from an in-network doctor or hospital, you may unknowingly receive care from an out-of-network provider during that time—resulting in a surprise bill. Usually, the out-of-network provider sends a bill to your insurance company, which pays a portion of the bill. The remainder of the bill is then sent to you.

To ensure a provider is in-network, check directly with your health insurance carrier. It is not a surprise bill if you chose to receive services from an out-of-network doctor instead of an available in-network doctor. You may have signed a written consent that you knew the services would be out-of-network, possibly resulting in costs not covered by your health insurance plan.

Learn how you can dispute a surprise medical bill.

You also may be wondering ...

How can I find out if a doctor or facility accepts my insurance?

You can use the this search tool.

Read more
I have insurance, so why am I getting a bill?

Even when you have insurance, you may be responsible to pay for some of the costs for your medical care.

Read more
I was injured at work, but I'd rather not file workers' compensation. Will my own insurance plan cover the cost of my care?

No. Under the law, if you were injured at work, the only insurer we can bill for your care is the one who provides your company’s workers’ compensation coverage.

Read more

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