healthcosts.net
Insurance & claims
Surprise billing
An unexpected bill from an out-of-network provider you didn't choose — e.g. an anesthesiologist at an in-network hospital. Largely restricted by the federal No Surprises Act since 2022.
Example
You have surgery at an in-network hospital, but the assisting surgeon is out-of-network and bills you an extra $1,800 directly — the kind of bill the No Surprises Act now limits for emergency and many facility-based services.