Surprise Bill Checker

Got an unexpected medical bill? Check if the No Surprises Act protects you — and learn exactly what to do next. Takes 60 seconds.

Based on federal law 50 state protections 100% free

Tell us about your situation

What happened?

Emergency room visit

You went to the ER and received a bill from a provider not in your insurance network

Out-of-network provider at an in-network facility

The hospital was in-network, but a specific provider (anesthesiologist, pathologist, radiologist) was not

Air ambulance

You were transported by helicopter or fixed-wing aircraft

Ground ambulance

You were transported by a ground ambulance and received a surprise bill

Post-stabilization care

After emergency stabilization, you continued receiving care from out-of-network providers without consent

Elective out-of-network care

You knowingly chose an out-of-network provider and may have signed a consent form

What type of health insurance do you have?

This affects which protections apply to you.

Employer-sponsored plan

Insurance through your job or a family member's job

Marketplace / ACA plan

Bought through Healthcare.gov or your state exchange

Medicare

Traditional Medicare or Medicare Advantage

Medicaid / CHIP

State-provided coverage for qualifying individuals and families

Uninsured / Self-pay

No health insurance coverage at time of service

What state did this happen in?

How much is the bill? (optional)

When did you receive care? (optional)

Disclaimer: This tool provides general legal information about the No Surprises Act (Public Law 116-260, Division BB) and state balance billing laws. It is not legal advice. Protections depend on your specific plan type, state, and circumstances. Consult a healthcare billing advocate or attorney for advice specific to your situation. Information current as of January 2026.