JAMA Network March 3, 2020
Karan R. Chhabra, MD, MSc; Justin B. Dimick, MD, MPH

Medical bills can be much more expensive when they are from doctors, hospitals, or companies that are not covered by insurance (out of network).
What Are Surprise Medical Bills?

“Surprise bills” are medical bills from doctors, hospitals, or companies that are not covered by insurance (out of network). Insurance often pays out-of-network practitioners less than they charged. If they send a patient a bill for the amount that the insurance did not pay, this is considered a “balance bill” or “surprise bill.”

About 1 in 5 patients admitted to an in-network hospital or having elective surgery at an in-network hospital receives an out-of-network bill. For patients giving birth at an in-network hospital,...

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