🛡️ Insurance Help

🚫 No Surprises Act

You are protected from unexpected medical bills when you receive emergency care or are treated by out of network providers at in network facilities. You should only be charged in network rates in these situations.

📬 Right to Appeal

If your insurance denies a claim, you always have the right to appeal. You can request an internal review and, if still denied, an independent external review by a third party.

🩺 Second Opinion Coverage

Most insurance plans are required to cover a second opinion from another doctor if you want one. This is especially important before major procedures or when facing a serious diagnosis.

🚑 Emergency Coverage

Insurance must cover emergency room visits regardless of whether the hospital is in your network. They cannot charge you more for going to the nearest ER during a true emergency.