The state requires insurers to hold enrollees harmless for amounts beyond the in-network level of cost sharing. Above protection applies to HMO and PPO enrollees, emergency services provided by out-of-network professionals and facilities provided by all or most classes of health care professionals. Protections do not apply to enrollees of self-funded plans or non-emergency services.

If you believe you’ve been wrongly billed: Visit https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/no-surprises-act for more information about your rights under federal law. Visit https://www.commonwealthfund.org/publications/maps-and-interactives/2021/feb/state-balance-billing-protections for more information about your rights under your state laws.