You need to know about the law to stop surprise medical bills that went into effect in 2022. Nobody likes being surprised by a bill, especially a large medical bill that could arrive months after treatment. In this video, learn about a new law designed to stop surprise medical bills, and how to protect yourself from surprise medical bills that the Federal No Surprises Act doesn't cover.

Time Stamps
0:00 Introduction to the Federal No Surprises Act
1:08 Introducing Attorney Kaisa Janzen
1:45 What is the Federal No Surprises Act?
2:15 What is Balance Billing?
3:30 You may be asked to pay more than the Out of Network Co-Pay
4:18 It’s hard to get medical pricing when you need it
4:48 Kaisa suffered her own surprise medical bill!
6:40 Ground ambulances are not covered, but air ambulances are
8:33 Exclusions to the Federal No Surprises Act
9:44 How to prevent a surprise medical bill for a routine lab test
11:28 Whom to call when you get a surprise medical bill

Attorney Kaisa Janzen is the Assistant Director of the HELPS Non-Profit Law Firm, based in Salem, Oregon, which helps seniors and others struggling with debt, The firm serves clients in all 50 U.S. states. She explains the ins and outs of the Federal No Surprises Act: what the 2022 law does, who is protected, what the law covers, and what it doesn't. She explains the concept of balance billing, how out-of-network co-pays may not cover everything you expect them to cover, and how even she was hit with a surprise medical bill. Most importantly, she explains how you can avoid surprise medical bills from simple lab tests to ambulance rides or a full-fledged medical emergency.

Jeff Hoyt is SeniorLiving.org’s Editor-in-Chief.

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