Every state has laws protecting patients from surprise medical bills, unfair billing practices, and unaffordable healthcare costs. Select your state to learn about your specific protections.
These federal laws protect all patients, regardless of state.
Prohibits surprise billing for emergency services, out-of-network providers at in-network facilities, and air ambulance services.
Uninsured or self-pay patients can get advance cost estimates. If the final bill exceeds the estimate by $400+, you can dispute it.
Since 2021, all hospitals must publish their standard charges — including negotiated rates — in machine-readable files online.
Detailed breakdowns of surprise billing protections, financial assistance, statute of limitations, and how to file complaints in every state.
All 50 states + DC covered. The federal No Surprises Act protections apply everywhere.
Here's what to do if you think you've been overcharged or received a surprise bill.
Ask for a line-by-line breakdown of every charge. Errors are common — duplicate charges, wrong codes, and services you didn't receive.
Use Taven to see what other hospitals charge for the same procedure. If your bill is significantly above average, you have leverage to negotiate.
Most hospitals have charity care or financial assistance programs. Apply even if you think you won't qualify — income thresholds are often higher than expected.
If the hospital or insurer won't work with you, file a complaint with your state insurance department. They have the authority to investigate and enforce your rights.
Upload your bill for a free review, or compare prices to find a better deal before your next procedure.