No Surprise Billing, with health insurance billing, or no health insurance

Under the law, health care providers need to give patients with no health insurance or who are not using insurance an estimate of the bill for medical items and services.     

 You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.    

Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. 

You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.   

 If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.    

Make sure to save a copy or picture of your Good Faith Estimate  To file a complaint you may contact 1-800-985-3059 

If you have Health insurance billing, be sure to contact your provider to fully understand your benefits and the potential financial cost you may occur. 

Morgan's Helping Hands always try to be as transparent as possible when it come to no health insurance billing, or health insurance billing. 

• In efforts to comply with the new No surprise billing act Morgan's Helping Hands  has placed an example of what mental health services cost would be if you choose to pay out of pocket or if we are not in your network.
• Out of Pocket or out of network rates $135.00 each session  
• If you decide to receive therapeutic services once a week in the year you would pay $135.00 for each session at 52 weeks. 
• The total cost of estimated services for counseling would be $7,020.
•  This does not include any no show or late cancelation fees, or other services as written out in the fee schedule.
•  If at anytime other services are spoken about a new Good Faith Estimate will be completed. 
•  This is just an example and each Good faith estimate would be completed based on the clients treatment plan.    

Disclaimer    

•  The Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care needs for an item or service. 
• The estimate is based on information known at the time the estimate was created.  
• The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment.
•  You could be charged more if complications or special circumstances occur. 
• If this happens, federal law allows you to dispute (appeal) the bill.     
• If you are billed for more than this Good Faith Estimate, you have the right to dispute the bill.     
• You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate.
•  You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.    
•  You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). 
• If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill.   
•  There is a $25 fee to use the dispute process.
•  If the agency reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.     
• To learn more and get a form to start the process, go to www.cms.gov/nosurprises or call 1-800-985-3059.   
•  For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call 1-800-985-3059.      
•  Keep a copy of your Good Faith Estimate in a safe place or take pictures of it.
•  You may need it if you are billed a higher amount      
• Any medical facility has a certain amount of time before the procedure or service are rendered what the costs would be in total based on the treatment plan.    
• A provider or facility must disclose to any participant, beneficiary, or enrollee in a group health plan or group or individual health insurance coverage to whom the provider or facility furnishes items and services information regarding federal and state (if applicable) balance billing protections and how to report violations. 
• Providers or facilities must post this information prominently at the location of the facility, post it on a public website (if applicable) and provide it to the participant, beneficiary or enrollee in a timeframe and manner outlined in regulation.   
• Provide a good faith estimate of the expected charges in advance of scheduled services, or upon request, to uninsured (or self-pay) individuals   
• A health care provider or facility must inquire within a specific timeframe outlined in regulation and guidance if an individual who schedules an item or service is enrolled in a group health plan, group or individual health insurance coverage offered by a health insurance issuer, a Federal health care program or a Federal Employees Health Benefit plan. If so, inquire if an individual enrolled in a group health plan, group or individual health insurance coverage offered by a health insurance issuer, or a Federal Employees Health Benefit plan is seeking to have their claims for such item or service submitted to plan. The provider or facility must provide notification (in clear and understandable language) of the good faith estimate of the expected charges, expected service, and diagnostic codes of scheduled services.   
• The good faith estimate must include expected charges for the items or services that are reasonably expected to be provided in conjunction with the primary item or service, including items or services that may be provided by other providers and facilities. From January 1, 2022 through December 31, 2022.  for more information please visit any of the following links:  Ending Surprise Medical Bills | CMS   Privacy notices for consumers & professionals | CMS