Health Insurance: What is balance billing?
•If a provider is out of network, the insurance company will pay them the out of network rate.
•The provider can bill you the difference -There is no limit on what they can bill you.
•With private equity buying practices, some are actively staying out of insurer’s networks so they can balance bill the patient.
- source- Dr Carolyn McClanahan - NAPFA Connect May 2020
States with balance billing protection Source: Commonwealth Fund
If your state has no balance billing protection:
•Make your standard question when you get care –Is this in network? –Document the communication
•If admitted to the hospital –put a sign over your bed saying, “PROVIDE IN NETWORK CARE ONLY”
–Have someone take a picture of you in your bed for documentation.