The National Association of Insurance Commissioners (“NAIC”) is a resource we enjoy for providing regulatory support functions, presenting insurance standards and best practices to help support compliant and informed decisions.
On July 11th, NAIC published an easy to digest article about surprise billing. The official definition provided is “a surprise bill happens when a patient unknowingly or unavoidably receives health care from providers outside their insurance company’s network and is billed directly for that care.”
A helpful and unknown component of the No Surprises Act is that if a person received a surprise bill that he/she thinks is not allowed, they can file an appeal with their insurance company or ask for an external review of the company’s decision. Additionally, he or she can file a complaint with their state department of insurance or with the U.S. Department of Health and Human Services (HHS).