Sarah did everything right. Before her knee surgery, she called her insurance company to confirm the hospital was in network. Then she checked her surgeon. Both were covered.
The surgery went perfectly. Three weeks later, an envelope arrived. Inside was a $5,000 bill from the anesthesiologist, a doctor she met for two minutes right before she went under. He was out of network, and nobody had told her.
Patients across the country were getting bills like Sarah’s. In 2020, Congress passed the No Surprises Act to end them. Since 2022, patients like Sarah pay only their normal in-network share.
That left one question: who pays the rest? The answer is the insurer. And when the insurer pays too little, the law gives providers a way to dispute it.
