Medical act rights for refunds

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  Know your rights

  The No Surprises Act protects people who use private insurance or don't have or use insurance.

  The No Surprises Act is a federal law that went into effect on January 1, 2022.

  It protects people in the United States who:

  • Use most types of private health insurance
  • Don't use health insurance
  • Don’t have health insurance

  Read about your rights

  There are different rights when you use health insurance and when you don't

  

  Using insurance

  Your rights when you use most types of health insurance

  In most cases, the No Surprises Act protects you from unexpected out-of-network bills from: emergency room visits; non-emergency care related to visits at in-network hospitals, hospital outpatient departments, and ambulatory surgical centers; and air ambulance services.

  

  Not using insurance

  Your rights when you don’t have or don't use health insurance

  Usually, providers must give you a good faith estimate of how much your care will cost. You may be able to dispute your bill if it’s at least $400 more than the estimate.