An $80,000 tab for newborns lays out a loophole in the new law to curb surprise bills

In the past, health plans sometimes have said they would pay for emergency care even if it’s out of network. The No Surprises Act now makes this a legal requirement in every state. The provider and insurer are supposed to negotiate a reasonable payment, leaving the patient out of the equation.

But what if the insurance company denies that the care is for an emergency? Or the hospital doesn’t supply the paperwork to prove it?


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