Balance billing is when an out-of-network provider bills you for the gap between what they charged and what your insurance paid. Under the No Surprises Act, balance billing is illegal for emergency care, for out-of-network doctors who treat you at an in-network hospital, and for

To get an itemized hospital bill, call the billing number on your statement. Say: "I'm requesting a fully itemized bill. I need every charge listed, with billing codes, dates, and quantities." Then send the same request in writing. Under federal law, the hospital has 30 days