New York · ER
Dispute an emergency room services surprise bill in New York
The No Surprises Act prohibits balance billing for emergency services at any facility, regardless of network status. In New York, additional state-level protections apply.
What the law says
New York's Surprise Bill Law (N.Y. Financial Services Law § 606 and N.Y. Public Health Law § 24) prohibits a non-participating provider from charging a patient more than the in-network cost-sharing amount for emergency services and surprise bills. This protection applies in addition to the federal No Surprises Act (42 U.S.C. § 300gg-111 et seq.).
- N.Y. Financial Services Law § 606
- N.Y. Public Health Law § 24
- 42 U.S.C. § 300gg-111 et seq. (No Surprises Act)
Your options
- Dispute the bill in writing before paying anything. The provider must respond and cannot send the bill to collections during the dispute.
- Notify your health insurer that an apparent NSA-protected service has been balance-billed. Ask them to adjudicate at the in-network cost-sharing amount.
- File a complaint with the federal No Surprises Help Desk at CMS if either party refuses to comply.
- If unresolved, you can invoke the patient-provider Independent Dispute Resolution (IDR) process for an external decision.
Other bill types in New York
- Anesthesiology at an in-network facility
- Lab or pathology at an in-network facility
- Radiology at an in-network facility
- Hospitalist services at an in-network facility
ER bills in other states
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