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No Surprises Act: How we are protecting people from the side effects of surprise medical bills

Millions of people, including people you serve, need medical care each year. Because of internal billing processes, some patients have received surprise medical bills for hundreds or even thous和s of dollars. Patients generally do not see detailed costs up front, before they receive care. 之后, they might make the decision to stay away from the health care system, 只是为了防止不受欢迎的意外.

Now, the No Surprises Act is in effect. As of January 1, 2022, federal law protects people from some unexpected medical bills. The new protections ban certain practices, like surprise bills for emergency services, even if the services were out-of-network 和 without prior authorization.

阅读亚搏体育官方网站的问题和答案: What is a “surprise medical bill” 和 what should I know about the No Surprises Act?

Read about the No Surprises Act at the Centers for Medicare & 医疗补助计划

If a client has a question about the No Surprises Act or believes the law isn’t being followed, they can contact the Centers for Medicare & 医疗补助服务 No Surprises Help Desk at (800) 985-3059 from 8 a.m. 8 p.m. ET, seven days a week, to submit a question or a complaint. 他们还可以 提交投诉 在线 to the Centers for Medicare & 医疗补助服务 .

除了新法律之外, existing federal laws also protect people from some negative side effects of medical bills: unlawful debt collection 和 credit reporting.

Side effect: What if a debt collector tries to collect on a bill that violates the No Surprises Act?

你可以阅读亚搏体育官方网站最近的公报 , which reminds debt collectors that they could be breaking a federal law, the Fair 债 Practices Act, if they try to collect on debts that are in violation of the No Surprises Act.

By law, debt collectors cannot make misrepresentations about the debts they are trying to collect. This includes telling a person they must pay a debt that came from a medical bill that exceeded the No Surprises Act limits. 在法院的情况下, rulings have stated it is against federal law to collect amounts higher than what is actually owed. Federal law prohibits unfair or unconscionable collection practices, so a debt collector could be held liable for breaking the law.

Side effect: What if a charge or debt prohibited by the No Surprises Act is sent to a credit reporting company?

Credit reporting companies put together the credit reports that most lenders (和 other businesses, like banks 和 l和lords) use to evaluate a person’s creditworthiness. The information sent to a credit reporting company could come from a debt collector, or from a medical care provider or another organization that furnishes information about debts 和 loans. The organization providing the information is responsible for following reasonable procedures for the accuracy of the information. 然后, the credit reporting company also has a responsibility to follow reasonable procedures for accuracy when they create the person’s credit report.

The responsibilities for accurate information on credit reports apply to medical debts. 禁止债务, like debts for bills that violate the No Surprises Act, 不应该出现在信用报告上.

阅读亚搏体育官方网站的问题和答案: What should I know about debt collection 和 credit reporting if my medical bill was sent to collections?

We are committed to investigating debt collection 和 credit reporting problems related to the No Surprises Act 和 to taking action against companies that break the law.

If a debt collector contacts a client about a surprise medical bill, or if a client sees surprise medical charges listed as negative items on their credit report, 你和客户可以采取行动. For issues with a consumer financial product or service, you or the client can 提交投诉 对皇冠app下载金融保护局 在线 或者拨打(855)411-2372.

Feel more confident about getting needed medical care

Fear of getting an unexpectedly high medical bill can mean people avoid the health care system. 特别是现在, 在COVID-19大流行期间, it’s in everyone’s interest to make sure people underst和 their rights 和 feel secure in getting the medical care they need.

加入谈话. 关注CFPB 推特 脸谱网 .