No Surprises Act

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an outofnetwork provider at an innetwork hospital or ambulatory surgical center, you are protected from surprise billing or balance billing


What is balance billing(sometimes called “surprise billing)

When you see a doctor or other health care provider, you may owe certain outofpocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isnt in your health plans network

Outofnetworkdescribes providers and facilities that havent signed a contract with your health plan. Outofnetwork providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called balance billing.This amount is likely more than innetwork costs for the same service and might not count toward your annual outofpocket limit

Surprise billingis an unexpected balance bill. This can happen when you cant control who is involved in your carelike when you have an emergency or when you schedule a visit at an in network facility but are unexpectedly treated by an outofnetwork provider

You are protected from balance billing for: 

Emergency services

If you have an emergency medical condition and get emergency services from an outof network provider or facility, the most the provider or facility may bill you is your plans in network costsharing amount (such as copayments and coinsurance). You cant be balance billed for these emergency services. This includes services you may get after youre in stable condition, unless you give written consent and give up your protections not to be balanced billed for these poststabilization services

Certain services at an innetwork hospital or ambulatory surgical center

When you get services from an innetwork hospital or ambulatory surgical center, certain providers there may be outofnetwork. In these cases, the most those providers may bill you is your plans innetwork costsharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed

If you get other services at these innetwork facilities, outofnetwork providers cant balance bill you, unless you give written consent and give up your protections

Youre never required to give up your protections from balance billing. You also arent required to get care outofnetwork. You can choose a provider or facility in your plans network

When balance billing isn’t allowed, you also have the following protections: 

  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was innetwork). Your health plan will pay outofnetwork providers and facilities directly
  • Your health plan generally must
    • Cover emergency services without requiring you to get approval for services in advance (prior authorization)
    • Cover emergency services by outofnetwork providers
    • Base what you owe the provider or facility (costsharing) on what it would pay an innetwork provider or facility and show that amount in your explanation of benefits
    • Count any amount you pay for emergency services or outofnetwork services toward your deductible and outofpocket limit

If you believe you’ve been wrongly billed, you may contact our billing team at 402.580.9503

Visit for more information about your rights under federal law

Uninsured/Self-Pay Good Faith Estimate Notice

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.

 ● 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 like medical tests, prescription drugs, equipment, and hospital fees.

● 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.

For questions or more information about your right to a Good Faith Estimate, visit or call 1-800-985-3059.