Federal and state laws protect you from surprise bills, hidden charges, and unfair billing practices. Here's what you're entitled to — and how to use it.
Effective January 2022, this federal law protects you from unexpected out-of-network charges in emergency situations and at in-network facilities.
If you're uninsured or self-pay, healthcare providers must give you an upfront cost estimate before scheduled services.
You have the right to request a detailed, line-by-line breakdown of every charge on your medical bill. Don't settle for a summary.
Most nonprofit hospitals are required to offer financial assistance programs. Under IRS Section 501(r) and the Hill-Burton Act, you may qualify for free or reduced-cost care.
Balance billing (or "surprise billing") happens when an out-of-network provider bills you for the difference between their charge and what insurance paid. Federal and state laws limit this.
Since January 2021, hospitals must publicly post their negotiated rates for all services. Since July 2022, insurers must do the same. This is the data Taven uses.
Many states have enacted their own surprise billing laws, price transparency requirements, and patient protection rules that go beyond federal minimums. Check your state for details.
Knowing your rights is the first step. Taven's tools help you exercise them — compare prices before care, and review bills after.
Compare prices across 11,322 sites of care (hospitals & surgery centers), review your bills line by line, and exercise your rights with confidence.