What the Law Says
Effective January 1, 2022, the No Surprises Act (NSA) established new federal protections against surprise medical bills. Surprise medical bills happen when you get a bill from an out-of-network provider or facility that you didn't choose. This often occurs during emergency room visits or when an out-of-network doctor (like an anesthesiologist or radiologist) treats you at an in-network hospital.
Under the law, your cost-sharing (like copayments or coinsurance) cannot be higher than if the service was provided by an in-network provider. Hospitals and doctors are strictly prohibited from "balance billing" you for the difference between their full charge and what your insurance paid.
How We Detect NSA Violations
Frequently asked questions
What is the No Surprises Act?
The No Surprises Act (NSA) is a federal law that went into effect on Jan 1, 2022. It protects patients from unexpected medical bills for emergency services and certain non-emergency services at in-network facilities.
Does the No Surprises Act apply to my bill?
If you received emergency care at an out-of-network hospital, or were treated by an out-of-network provider at an in-network facility without giving prior consent, the law likely applies.
How do I file an NSA complaint?
You can file a complaint through the CMS No Surprises Help Desk. BillAudit AI provides the documentation and evidence needed to support your claim.
Can BillAudit AI detect NSA violations?
Yes. Our AI specifically checks for P5 rule compliance and out-of-network balance billing violations automatically.
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