Surprise bill checker
See whether the federal No Surprises Act may protect you from an out-of-network bill, with three plain steps, a phone script and two letters.
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. Where you got care, whether you signed a notice and consent form, what coverage you had, and whether you hold a bill, a plan statement or both.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It tells you whether the protections may apply. It is not a ruling on your bill.
Answer the questions
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- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. Where you got care, whether you signed a notice and consent form, what coverage you had, and whether you hold a bill, a plan statement or both.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It tells you whether the protections may apply. It is not a ruling on your bill.
Related guides and checklists
- Guide
Ambulance bills
Air ambulance bills are covered by the federal No Surprises Act. Ground ambulance bills are not. Here is what to do about an ambulance bill or a denied ambulance claim.
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Out-of-network denials and network gap exceptions
What to do when your plan denies or underpays care because the provider is out of network. Learn about network gap exceptions, continuity of care and the cases federal law protects.
- Guide
Out-of-network underpayment
Your plan paid an out-of-network claim but far less than the provider charged. Learn how plans set the allowed amount and how to use price benchmarks in a dispute.
- Guide
Surprise bills and the No Surprises Act
Who the federal No Surprises Act protects, which out-of-network bills it bars, which it does not, and how to complain to the No Surprises Help Desk.
- Checklist
Surprise bill response
How to check whether the No Surprises Act protects you from an unexpected out-of-network bill, who to ask to fix it, and where to complain.