Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

This includes people who:

  • do not have insurance

  • have insurance but no out of network benefits

  • choose not to use their insurance

  • choose to submit for out of network reimbursement

  • use an HSA account for payment

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs.

  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

  • Make sure to save a copy or picture of your Good Faith Estimate. A copy will also be kept in your client portal

    For questions or more information about your right to a Good Faith Estimate, visit

    www.cms.gov/nosurprises or call 1-877-881-6388 (PA).