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what you can expect

No Surprises Act – What You Can Expect

The “No Surprises Act” is new legislation that protects patients against surprise medical bills when they receive out-of-network services during an emergency visit or from a provider at an in-network hospital without advance notice. It will take effect on January 1st, 2022. 

Additionally, the NSA allows healthcare providers and insurers to negotiate reimbursement separately while insulating the patient from that process. It also includes a provision for an independent dispute resolution process if necessary.

Providers will now need to find out patient’s insurance status before submitting the surprise out-of-network bill directly to the health plan. However, patients can give written consent to waive their rights under the No Surprise Act and be billed more by out-of-network providers. It is expected this should only happen in limited circumstances.

If a patient receives what they believe is a surprise bill, the new brief highlights protections and ways to seek help. This is a complex law, with enforcement being conducted in various ways, both by federal and state agencies.

Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.