January 19, 2024

Mastering Medical Bill Negotiations: Leveraging the No Surprises Act

Roya Azimi


The introduction of the No Surprises Act in January 2022 marked a significant milestone in patient financial protection. This legislation aims to shield patients from the shock of unexpected medical bills, particularly from out-of-network services in emergency situations or at in-network facilities. Understanding how to negotiate your medical bills under this new framework can be empowering for patients facing daunting healthcare costs. This blog explores strategies to effectively negotiate medical bills by utilizing the provisions of the No Surprises Act.

Understanding Your Rights Under the No Surprises Act

Before entering into negotiations, it's crucial to understand what the No Surprises Act covers:

  • Protection from unexpected out-of-network charges in emergency services.
  • Applicability to certain services by out-of-network providers at in-network facilities.
  • Requirement for providers to give a good faith estimate for non-emergency services to uninsured or self-paying patients.
  • Step-by-Step Guide to Negotiating Medical Bills

    Review Your Medical Bills: Examine your bills for any out-of-network charges. Pay special attention to services that should be covered under the No Surprises Act, such as emergency services or services at in-network facilities.

    Gather Supporting Documents: Collect all relevant documents, including your Explanation of Benefits (EOB), good faith estimates, and any related correspondence with healthcare providers or insurers.

    Initiate a Dialogue with the Billing Department: Contact the healthcare provider’s billing department. Politely inform them that you believe some charges may contravene the No Surprises Act and request an adjustment to comply with the law.

    Engage with Your Insurance Company: If you used insurance, discuss the issue with your insurer. They may need to reprocess the claim in light of the No Surprises Act.

    Utilize the Dispute Resolution Process: If there's a disagreement about the charges, you can file a complaint with the U.S. Department of Health and Human Services. This can be done online or via their hotline.

    Consider Professional Help: If the process becomes overwhelming, think about seeking assistance from a patient advocate or legal professional. They can provide valuable guidance and support.

    Document Everything: Keep a detailed record of all communications, including dates, names, and discussion points. This information is crucial if the situation escalates or requires formal dispute resolution.


    Negotiating medical bills in the era of the No Surprises Act requires a blend of knowledge, preparation, and persistence. By understanding your rights and the protections offered, you can approach negotiations with confidence. Remember, while the process can be complex, you are no longer alone in facing surprise medical bills. The No Surprises Act is a tool that empowers you to challenge unfair billing practices and seek more transparent, fair healthcare pricing.

Written by
Roya Azimi

In today's world, technology has played a significant role in managing medical debt. The traditional approaches have transformed, and it's no longer solely centered around debt consolidation or loan procurement. Instead, the emphasis is now on minimizing debt and creating adaptable payment management solutions to attain financial liberation from medical debt.

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