This new state law protects individuals from receiving unexpected “surprise or balance” medical bills from an out-of-network (OON) doctor when receiving inpatient and outpatient non-emergency care and services at an in-network healthcare facility such as a hospital, clinic, lab, imaging center or other healthcare facility.

When individuals go to an in-network facility for care but receive services from an out-of-network doctor, they are only responsible to pay their in-network cost-sharing amount that counts toward the annual deductible and annual out-of-pocket maximum limits according to their health plan.

An out-of-network doctor should bill individuals when both parties have received a copy of the Explanation of Benefits (EOB) that reflects the correct in-network cost-sharing amount owed for the care received. If for any reason the out-of-network doctor receives payment that is more than the allowed in-network cost-sharing, the out-of-network doctor must refund the overpayment within 30 days of receipt.