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AARP MEMBERSHIP — Limited Time Offer-Memorial Day Sale
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Health Benefits
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Staying Fit
Your Personalized Guide to Fitness
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AARP Hearing Center
Ways To Improve Your Hearing
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Brain Health Resources
Tools and Explainers on Brain Health
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A Retreat For Those Struggling
Scams & Fraud
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Money Benefits
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View and Report Scams in Your Area
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AARP Foundation Tax-Aide
Free Tax Preparation Assistance
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AARP Money Map
Get Your Finances Back on Track
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How to Protect What You Collect
Small Business
Age Discrimination
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Flexible Work
Freelance Jobs You Can Do From Home
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AARP Skills Builder
Online Courses to Boost Your Career
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31 Great Ways to Boost Your Career
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ON-DEMAND WEBINARS
Tips to Enhance Your Job Search
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Get More out of Your Benefits
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When to Start Taking Social Security
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10 Top Social Security FAQs
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Social Security Benefits Calculator
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Medicare Made Easy
Original vs. Medicare Advantage
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Enrollment Guide
Step-by-Step Tool for First-Timers
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Prescription Drugs
9 Biggest Changes Under New Rx Law
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Medicare FAQs
Quick Answers to Your Top Questions
Care at Home
Financial & Legal
Life Balance
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LONG-TERM CARE
Understanding Basics of LTC Insurance
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State Guides
Assistance and Services in Your Area
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Prepare to Care Guides
How to Develop a Caregiving Plan
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End of Life
How to Cope With Grief, Loss
Recently Played
Word & Trivia
Atari® & Retro
Members Only
Staying Sharp
Mobile Apps
More About Games
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Right Again! Trivia
![Play AARP Right Again Trivia Sports, an AARP Rewards Game AARP Right Again Trivia Sports and AARP Rewards](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1884377341.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/aaarp-games-right-again-sports-promo-1140x655.jpg)
Right Again! Trivia – Sports
![Play your favorite ATARI game Atari, Centipede, Pong, Breakout, Missile Command Asteroids](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1029081247.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-atari-1a-.jpg)
Atari® Video Games
![Play Throwback Thursday Crossword , an AARP Rewards Game Throwback Thursday Crossword and AARP Rewards](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1891239431.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/aarp-games-throwback-thursday-1140x655-02.png)
Throwback Thursday Crossword
Travel Tips
Vacation Ideas
Destinations
Travel Benefits
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Outdoor Vacation Ideas
Camping Vacations
![hospitals that accept medicare assignment hospitals that accept medicare assignment](https://aarp.widen.net/content/fbjy5ayqhu/jpeg/GettyImages-1429061404.jpg?crop=true&anchor=11,101&q=80&color=ffffffff&u=k2e9ec&w=2025&h=1164)
Plan Ahead for Summer Travel
![sunrise seen from under mesa arch in canyonlands national park sunrise seen from under mesa arch in canyonlands national park](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659967770303_c/container_1827098909/featuredtile_412558448.coreimg.50.276.jpeg/content/dam/aarp/travel/national-parks/2023/10/1140-mesa-arch-sunrise-canyonlands-utah.jpg)
AARP National Park Guide
Discover Canyonlands National Park
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25 Ways to Save on Your Vacation
Entertainment & Style
Family & Relationships
Personal Tech
Home & Living
Celebrities
Beauty & Style
![A collage of stars from reality TV shows such as "The Voice," "The Great British Baking Show," "Survivor" and "American Idol." A collage of stars from reality TV shows such as "The Voice," "The Great British Baking Show," "Survivor" and "American Idol."](https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109128956/item_1659969291143_c/item_1659967770303_c_182155119/container_1453873669/featuredtile.coreimg.50.276.jpeg/content/dam/aarp/entertainment/television/2024/02/1140-reality-tv-for-grownups.jpg)
TV for Grownups
Best Reality TV Shows for Grownups
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Robert De Niro Reflects on His Life
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What is Medicare assignment and how does it work?
Kimberly Lankford,
Because Medicare decides how much to pay providers for covered services, if the provider agrees to the Medicare-approved amount, even if it is less than they usually charge, they’re accepting assignment.
A doctor who accepts assignment agrees to charge you no more than the amount Medicare has approved for that service. By comparison, a doctor who participates in Medicare but doesn’t accept assignment can potentially charge you up to 15 percent more than the Medicare-approved amount.
That’s why it’s important to ask if a provider accepts assignment before you receive care, even if they accept Medicare patients. If a doctor doesn’t accept assignment, you will pay more for that physician’s services compared with one who does.
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How much do I pay if my doctor accepts assignment?
If your doctor accepts assignment, you will usually pay 20 percent of the Medicare-approved amount for the service, called coinsurance, after you’ve paid the annual deductible. Because Medicare Part B covers doctor and outpatient services, your $240 deductible for Part B in 2024 applies before most coverage begins.
All providers who accept assignment must submit claims directly to Medicare, which pays 80 percent of the approved cost for the service and will bill you the remaining 20 percent. You can get some preventive services and screenings, such as mammograms and colonoscopies , without paying a deductible or coinsurance if the provider accepts assignment.
What if my doctor doesn’t accept assignment?
A doctor who takes Medicare but doesn’t accept assignment can still treat Medicare patients but won’t always accept the Medicare-approved amount as payment in full.
This means they can charge you up to a maximum of 15 percent more than Medicare pays for the service you receive, called “balance billing.” In this case, you’re responsible for the additional charge, plus the regular 20 percent coinsurance, as your share of the cost.
How to cover the extra cost? If you have a Medicare supplement policy , better known as Medigap, it may cover the extra 15 percent, called Medicare Part B excess charges.
All Medigap policies cover Part B’s 20 percent coinsurance in full or in part. The F and G policies cover the 15 percent excess charges from doctors who don’t accept assignment, but Plan F is no longer available to new enrollees, only those eligible for Medicare before Jan. 1, 2020, even if they haven’t enrolled in Medicare yet. However, anyone who is enrolled in original Medicare can apply for Plan G.
Remember that Medigap policies only cover excess charges for doctors who accept Medicare but don’t accept assignment, and they won’t cover costs for doctors who opt out of Medicare entirely.
Good to know. A few states limit the amount of excess fees a doctor can charge Medicare patients. For example, Massachusetts and Ohio prohibit balance billing, requiring doctors who accept Medicare to take the Medicare-approved amount. New York limits excess charges to 5 percent over the Medicare-approved amount for most services, rather than 15 percent.
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How do I find doctors who accept assignment?
Before you start working with a new doctor, ask whether he or she accepts assignment. About 98 percent of providers billing Medicare are participating providers, which means they accept assignment on all Medicare claims, according to KFF.
You can get help finding doctors and other providers in your area who accept assignment by zip code using Medicare’s Physician Compare tool .
Those who accept assignment have this note under the name: “Charges the Medicare-approved amount (so you pay less out of pocket).” However, not all doctors who accept assignment are accepting new Medicare patients.
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What does it mean if a doctor opts out of Medicare?
Doctors who opt out of Medicare can’t bill Medicare for services you receive. They also aren’t bound by Medicare’s limitations on charges.
In this case, you enter into a private contract with the provider and agree to pay the full bill. Be aware that neither Medicare nor your Medigap plan will reimburse you for these charges.
In 2023, only 1 percent of physicians who aren’t pediatricians opted out of the Medicare program, according to KFF. The percentage is larger for some specialties — 7.7 percent of psychiatrists and 4.2 percent of plastic and reconstructive surgeons have opted out of Medicare.
Keep in mind
These rules apply to original Medicare. Other factors determine costs if you choose to get coverage through a private Medicare Advantage plan . Most Medicare Advantage plans have provider networks, and they may charge more or not cover services from out-of-network providers.
Before choosing a Medicare Advantage plan, find out whether your chosen doctor or provider is covered and identify how much you’ll pay. You can use the Medicare Plan Finder to compare the Medicare Advantage plans and their out-of-pocket costs in your area.
Return to Medicare Q&A main page
Kimberly Lankford is a contributing writer who covers Medicare and personal finance. She wrote about insurance, Medicare, retirement and taxes for more than 20 years at Kiplinger’s Personal Finance and has written for The Washington Post and Boston Globe . She received the personal finance Best in Business award from the Society of American Business Editors and Writers and the New York State Society of CPAs’ excellence in financial journalism award for her guide to Medicare.
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Balance Billing in Health Insurance
- How It Works
- When It Happens
- What to Do If You Get a Bill
- If You Know in Advance
Balance billing happens after you’ve paid your deductible , coinsurance or copayment and your insurance company has also paid everything it’s obligated to pay toward your medical bill. If there is still a balance owed on that bill and the healthcare provider or hospital expects you to pay that balance, you’re being balance billed.
This article will explain how balance billing works, and the rules designed to protect consumers from some instances of balance billing.
Is Balance Billing Legal or Not?
Sometimes it’s legal, and sometimes it isn’t; it depends on the circumstances.
Balance billing is generally illegal :
- When you have Medicare and you’re using a healthcare provider that accepts Medicare assignment .
- When you have Medicaid and your healthcare provider has an agreement with Medicaid.
- When your healthcare provider or hospital has a contract with your health plan and is billing you more than that contract allows.
- In emergencies (with the exception of ground ambulance charges), or situations in which you go to an in-network hospital but unknowingly receive services from an out-of-network provider.
In the first three cases, the agreement between the healthcare provider and Medicare, Medicaid, or your insurance company includes a clause that prohibits balance billing.
For example, when a hospital signs up with Medicare to see Medicare patients, it must agree to accept the Medicare negotiated rate, including your deductible and/or coinsurance payment, as payment in full. This is called accepting Medicare assignment .
And for the fourth case, the No Surprises Act , which took effect in 2022, protects you from "surprise" balance billing.
Balance billing is usually legal :
- When you choose to use a healthcare provider that doesn’t have a relationship or contract with your insurer (including ground ambulance charges, even after implementation of the No Surprises Act).
- When you’re getting services that aren’t covered by your health insurance policy, even if you’re getting those services from a provider that has a contract with your health plan.
The first case (a provider not having an insurer relationship) is common if you choose to seek care outside of your health insurance plan's network.
Depending on how your plan is structured, it may cover some out-of-network costs on your behalf. But the out-of-network provider is not obligated to accept your insurer's payment as payment in full. They can send you a bill for the remainder of the charges, even if it's more than your plan's out-of-network copay or deductible.
(Some health plans, particularly HMOs and EPOs , simply don't cover non-emergency out-of-network services at all, which means they would not cover even a portion of the bill if you choose to go outside the plan's network.)
Getting services that are not covered is a situation that may arise, for example, if you obtain cosmetic procedures that aren’t considered medically necessary, or fill a prescription for a drug that isn't on your health plan's formulary . You’ll be responsible for the entire bill, and your insurer will not require the medical provider to write off any portion of the bill—the claim would simply be rejected.
Prior to 2022, it was common for people to be balance billed in emergencies or by out-of-network providers that worked at in-network hospitals. In some states, state laws protected people from these types of surprise balance billing if they had state-regulated health plans.
But not all states had these protections. And the majority of people with employer-sponsored health insurance are covered under self-insured plans, which are not subject to state regulations. This is why the No Surprises Act was so necessary.
How Balance Billing Works
When you get care from a doctor, hospital, or other healthcare provider that isn’t part of your insurer’s provider network (or, if you have Medicare, from a provider that has opted out of Medicare altogether , which is rare but does apply in some cases ), that healthcare provider can charge you whatever they want to charge you (with the exception of emergencies or situations where you receive services from an out-of-network provider while you're at an in-network hospital).
Since your insurance company hasn’t negotiated any rates with that provider, they aren't bound by a contract with your health plan.
Medicare Limiting Charge
If you have Medicare and your healthcare provider is a nonparticipating provider but hasn't entirely opted out of Medicare, you can be charged up to 15% more than the allowable Medicare amount for the service you receive (some states impose a lower limit).
This 15% cap is known as the limiting charge, and it serves as a restriction on balance billing in some cases. If your healthcare provider has opted out of Medicare entirely, they cannot bill Medicare at all and you'll be responsible for the full cost of your visit.
If your health insurance company agrees to pay a percentage of your out-of-network care, the health plan doesn’t pay a percentage of what’s actually billed . Instead, it pays a percentage of what it says should have been billed, otherwise known as a reasonable and customary amount.
As you might guess, the reasonable and customary amount is usually lower than the amount you’re actually billed. The balance bill comes from the gap between what your insurer says is reasonable and customary, and what the healthcare provider or hospital actually charges.
Let's take a look at an example in which a person's health plan has 20% coinsurance for in-network hospitalization and 40% coinsurance for out-of-network hospitalization. And we're going to assume that the No Surprises Act does not apply (ie, that the person chooses to go to an out-of-network hospital, and it's not an emergency situation).
In this scenario, we'll assume that the person already met their $1,000 in-network deductible and $2,000 out-of-network deductible earlier in the year (so the example is only looking at coinsurance).
And we'll also assume that the health plan has a $6,000 maximum out-of-pocket for in-network care, but no cap on out-of-pocket costs for out-of-network care:
When Does Balance Billing Happen?
In the United States, balance billing usually happens when you get care from a healthcare provider or hospital that isn’t part of your health insurance company’s provider network or doesn’t accept Medicare or Medicaid rates as payment in full.
If you have Medicare and your healthcare provider has opted out of Medicare entirely, you're responsible for paying the entire bill yourself. But if your healthcare provider hasn't opted out but just doesn't accept assignment with Medicare (ie, doesn't accept the amount Medicare pays as payment in full), you could be balance billed up to 15% more than Medicare's allowable charge, in addition to your regular deductible and/or coinsurance payment.
Surprise Balance Billing
Receiving care from an out-of-network provider can happen unexpectedly, even when you try to stay in-network. This can happen in emergency situations—when you may simply have no say in where you're treated or no time to get to an in-network facility—or when you're treated by out-of-network providers who work at in-network facilities.
For example, you go to an in-network hospital, but the radiologist who reads your X-rays isn’t in-network. The bill from the hospital reflects the in-network rate and isn't subject to balance billing, but the radiologist doesn’t have a contract with your insurer, so they can charge you whatever they want. And prior to 2022, they were allowed to send you a balance bill unless state law prohibited it.
Similar situations could arise with:
- Anesthesiologists
- Pathologists (laboratory doctors)
- Neonatologists (doctors for newborns)
- Intensivists (doctors who specialize in ICU patients)
- Hospitalists (doctors who specialize in hospitalized patients)
- Radiologists (doctors who interpret X-rays and scans)
- Ambulance services to get you to the hospital, especially air ambulance services, where balance billing was frighteningly common
- Durable medical equipment suppliers (companies that provide the crutches, braces, wheelchairs, etc. that people need after a medical procedure)
These "surprise" balance billing situations were particularly infuriating for patients, who tended to believe that as long as they had selected an in-network medical facility, all of their care would be covered under the in-network terms of their health plan.
To address this situation, many states enacted consumer protection rules that limited surprise balance billing prior to 2022. But as noted above, these state rules don't protect people with self-insured employer-sponsored health plans, which cover the majority of people who have employer-sponsored coverage.
There had long been broad bipartisan support for the idea that patients shouldn't have to pay additional, unexpected charges just because they needed emergency care or inadvertently received care from a provider outside their network, despite the fact that they had purposely chosen an in-network medical facility. There was disagreement, however, in terms of how these situations should be handled—should the insurer have to pay more, or should the out-of-network provider have to accept lower payments? This disagreement derailed numerous attempts at federal legislation to address surprise balance billing.
But the Consolidated Appropriations Act, 2021, which was enacted in December 2020, included broad provisions (known as the No Surprises Act) to protect consumers from surprise balance billing as of 2022. The law applies to both self-insured and fully-insured plans, including grandfathered plans, employer-sponsored plans, and individual market plans.
It protects consumers from surprise balance billing charges in nearly all emergency situations and situations when out-of-network providers offer services at in-network facilities, but there's a notable exception for ground ambulance charges.
This is still a concern, as ground ambulances are among the medical providers most likely to balance bill patients and least likely to be in-network, and patients typically have no say in what ambulance provider comes to their rescue in an emergency situation. But other than ground ambulances, patients are no longer subject to surprise balance bills as of 2022.
The No Surprises Act did call for the creation of a committee to study ground ambulance charges and make recommendations for future legislation to protect consumers. The Biden Administration announced the members of that committee in late 2022, and the committee began holding meetings in May 2023.
Balance billing continues to be allowed in other situations (for example, the patient simply chooses to use an out-of-network provider). Balance billing can also still occur when you’re using an in-network provider, but you’re getting a service that isn’t covered by your health insurance. Since an insurer doesn’t negotiate rates for services it doesn’t cover, you’re not protected by that insurer-negotiated discount. The provider can charge whatever they want, and you’re responsible for the entire bill.
It is important to note that while the No Surprises Act prohibits balance bills from out-of-network working at in-network facilities, the final rule for implementation of the law defines facilities as "hospitals, hospital outpatient departments, critical access hospitals, and ambulatory surgical centers." Other medical facilities are not covered by the consumer protections in the No Surprises Act.
Balance billing doesn’t usually happen with in-network providers or providers that accept Medicare assignment . That's because if they balance bill you, they’re violating the terms of their contract with your insurer or Medicare. They could lose the contract, face fines, suffer severe penalties, and even face criminal charges in some cases.
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If You Get an Unexpected Balance Bill
Receiving a balance bill is a stressful experience, especially if you weren't expecting it. You've already paid your deductible and coinsurance and then you receive a substantial additional bill—what do you do next?
First, you'll want to try to figure out whether the balance bill is legal or not. If the medical provider is in-network with your insurance company, or you have Medicare or Medicaid and your provider accepts that coverage, it's possible that the balance bill was a mistake (or, in rare cases, outright fraud).
And if your situation is covered under the No Surprises Act (ie, an emergency, or an out-of-network provider who treated you at an in-network facility), you should not be subject to a balance bill. So be sure you understand what charges you're actually responsible for before paying any medical bills.
If you think that the balance bill was an error, contact the medical provider's billing office and ask questions. Keep a record of what they tell you so that you can appeal to your state's insurance department if necessary.
If the medical provider's office clarifies that the balance bill was not an error and that you do indeed owe the money, consider the situation—did you make a mistake and select an out-of-network healthcare provider? Or was the service not covered by your health plan?
If you went to an in-network facility for a non-emergency, did you waive your rights under the No Surprises Act (NSA) and then receive a balance bill from an out-of-network provider? This is still possible in limited circumstances, but you would have had to sign a document indicating that you had waived your NSA protections.
Negotiate With the Medical Office
If you've received a legitimate balance bill, you can ask the medical office to cut you some slack. They may be willing to agree to a payment plan and not send your bill to collections as long as you continue to make payments.
Or they may be willing to reduce your total bill if you agree to pay a certain amount upfront. Be respectful and polite, but explain that the bill caught you off guard. And if it's causing you significant financial hardship, explain that too.
The healthcare provider's office would rather receive at least a portion of the billed amount rather than having to wait while the bill is sent to collections. So the sooner you reach out to them, the better.
Negotiate With Your Insurance Company
You can also negotiate with your insurer. If your insurer has already paid the out-of-network rate on the reasonable and customary charge, you’ll have difficulty filing a formal appeal since the insurer didn’t actually deny your claim . It paid your claim, but at the out-of-network rate.
Instead, request a reconsideration. You want your insurance company to reconsider the decision to cover this as out-of-network care , and instead cover it as in-network care. You’ll have more luck with this approach if you had a compelling medical or logistical reason for choosing an out-of-network provider .
If you feel like you’ve been treated unfairly by your insurance company, follow your health plan’s internal complaint resolution process.
You can get information about your insurer’s complaint resolution process in your benefits handbook or from your human resources department. If this doesn’t resolve the problem, you can complain to your state’s insurance department.
- Learn more about your internal and external appeal rights.
- Find contact information for your Department of Insurance using this resource .
If your health plan is self-funded , meaning your employer is the entity actually paying the medical bills even though an insurance company may administer the plan, then your health plan won't fall under the jurisdiction of your state’s department of insurance.
Self-funded plans are instead regulated by the Department of Labor’s Employee Benefit Services Administration. Get more information from the EBSA’s consumer assistance web page or by calling an EBSA benefits advisor at 1-866-444-3272.
If You Know You’ll Be Legally Balance Billed
If you know in advance that you’ll be using an out-of-network provider or a provider that doesn’t accept Medicare assignment, you have some options. However, none of them are easy and all require some negotiating.
Ask for an estimate of the provider’s charges. Next, ask your insurer what they consider the reasonable and customary charge for this service to be. Getting an answer to this might be tough, but be persistent.
Once you have estimates of what your provider will charge and what your insurance company will pay, you’ll know how far apart the numbers are and what your financial risk is. With this information, you can narrow the gap. There are only two ways to do this: Get your provider to charge less or get your insurer to pay more.
Ask the provider if he or she will accept your insurance company’s reasonable and customary rate as payment in full. If so, get the agreement in writing, including a no-balance-billing clause.
If your provider won’t accept the reasonable and customary rate as payment in full, start working on your insurer. Ask your insurer to increase the amount they’re calling reasonable and customary for this particular case.
Present a convincing argument by pointing out why your case is more complicated, difficult, or time-consuming to treat than the average case the insurer bases its reasonable and customary charge on.
Single-Case Contract
Another option is to ask your insurer to negotiate a single-case contract with your out-of-network provider for this specific service.
A single-case contract is more likely to be approved if the provider is offering specialized services that aren't available from locally-available in-network providers, or if the provider can make a case to the insurer that the services they're providing will end up being less expensive in the long-run for the insurance company.
Sometimes they can agree upon a single-case contract for the amount your insurer usually pays its in-network providers. Sometimes they’ll agree on a single-case contract at the discount rate your healthcare provider accepts from the insurance companies she’s already in-network with.
Or, sometimes they can agree on a single-case contract for a percentage of the provider’s billed charges. Whatever the agreement, make sure it includes a no-balance-billing clause.
Ask for the In-Network Coinsurance Rate
If all of these options fail, you can ask your insurer to cover this out-of-network care using your in-network coinsurance rate. While this won’t prevent balance billing, at least your insurer will be paying a higher percentage of the bill since your coinsurance for in-network care is lower than for out-of-network care.
If you pursue this option, have a convincing argument as to why the insurer should treat this as in-network. For example, there are no local in-network surgeons experienced in your particular surgical procedure, or the complication rates of the in-network surgeons are significantly higher than those of your out-of-network surgeon.
Balance billing refers to the additional bill that an out-of-network medical provider can send to a patient, in addition to the person's normal cost-sharing and the payments (if any) made by their health plan. The No Surprises Act provides broad consumer protections against "surprise" balance billing as of 2022.
A Word From Verywell
Try to prevent balance billing by staying in-network, making sure your insurance company covers the services you’re getting, and complying with any pre-authorization requirements. But rest assured that the No Surprises Act provides broad protections against surprise balance billing.
This means you won't be subject to balance bills in emergencies (except for ground ambulance charges, which can still generate surprise balance bills) or in situations where you go to an in-network hospital but unknowingly receive care from an out-of-network provider.
Congress.gov. H.R.133—Consolidated Appropriations Act, 2021 . Enacted December 27, 2021.
Kona M. The Commonwealth Fund. State balance billing protections . April 20, 2020.
Data.CMS.gov. Opt Out Affidavits .
Chhabra, Karan; Schulman, Kevin A.; Richman, Barak D. Health Affairs. Are Air Ambulances Truly Flying Out Of Reach? Surprise-Billing Policy And The Airline Deregulation Act . October 17, 2019.
Kaiser Family Foundation. 2022 Employer Health Benefits Survey .
Centers for Medicare and Medicaid Services. Members of New Federal Advisory Committee Named to Help Improve Ground Ambulance Disclosure and Billing Practices for Consumers . December 13, 2022.
Centers for Medicare and Medicaid Services. Advisory Committee on Ground Ambulance and Patient Billing (GAPB) .
Internal Revenue Service; Employee Benefits Security Administration; Health and Human Services Department. Requirements Related to Surprise Billing . August 26, 2022.
National Conference of State Legislatures. States Tackling "Balance Billing" Issue . July 2017.
By Elizabeth Davis, RN Elizabeth Davis, RN, is a health insurance expert and patient liaison. She's held board certifications in emergency nursing and infusion nursing.
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If you have Original Medicare , your Part B costs once you have met your deductible can vary depending on the type of provider you see. For cost purposes, there are three types of provider, meaning three different relationships a provider can have with Medicare . A provider’s type determines how much you will pay for Part B -covered services.
- These providers are required to submit a bill (file a claim ) to Medicare for care you receive. Medicare will process the bill and pay your provider directly for your care. If your provider does not file a claim for your care, there are troubleshooting steps to help resolve the problem .
- If you see a participating provider , you are responsible for paying a 20% coinsurance for Medicare-covered services.
- Certain providers, such as clinical social workers and physician assistants, must always take assignment if they accept Medicare.
- Non-participating providers can charge up to 15% more than Medicare’s approved amount for the cost of services you receive (known as the limiting charge ). This means you are responsible for up to 35% (20% coinsurance + 15% limiting charge) of Medicare’s approved amount for covered services.
- Some states may restrict the limiting charge when you see non-participating providers. For example, New York State’s limiting charge is set at 5%, instead of 15%, for most services. For more information, contact your State Health Insurance Assistance Program (SHIP) .
- If you pay the full cost of your care up front, your provider should still submit a bill to Medicare. Afterward, you should receive from Medicare a Medicare Summary Notice (MSN) and reimbursement for 80% of the Medicare-approved amount .
- The limiting charge rules do not apply to durable medical equipment (DME) suppliers . Be sure to learn about the different rules that apply when receiving services from a DME supplier .
- Medicare will not pay for care you receive from an opt-out provider (except in emergencies). You are responsible for the entire cost of your care.
- The provider must give you a private contract describing their charges and confirming that you understand you are responsible for the full cost of your care and that Medicare will not reimburse you.
- Opt-out providers do not bill Medicare for services you receive.
- Many psychiatrists opt out of Medicare.
Providers who take assignment should submit a bill to a Medicare Administrative Contractor (MAC) within one calendar year of the date you received care. If your provider misses the filing deadline, they cannot bill Medicare for the care they provided to you. However, they can still charge you a 20% coinsurance and any applicable deductible amount.
Be sure to ask your provider if they are participating, non-participating, or opt-out. You can also check by using Medicare’s Physician Compare tool .
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Annual Medicare Participation Announcement
Annual Medicare Participation Open Enrollment Period
Read this year's Announcement (PDF) about the annual Medicare participation open enrollment period.
Every year from mid-November through December 31, providers can decide if they want to participate in Medicare for the upcoming year. In early to mid-November, your MAC will send a post card reminding you about the annual participation open enrollment period.
We’re proud to share that 98% of providers participate in Medicare. As you plan for 2022, this announcement provides information that may help you determine whether you want to continue or become a Medicare participating (PAR) provider.
We pledge to work with you to put patients first. To do this, we must empower patients and providers to work together to make the best health care decisions for patients.
Participating vs. Non-Participating Medicare “participation” means you agree to accept claims assignment for all Medicare-covered services to your patients. By accepting assignment, you agree to accept Medicare-allowed amounts as payment in full. You may not collect more from the patient than the Medicare deductible and coinsurance or copayment .
Choose the situation that applies to you to find out what to do between mid-November and December 31 each year.
You don’t need to do anything.
Complete the Medicare Participating Physician or Supplier Agreement (CMS-460) (PDF) and mail it (or a copy) to each MAC to which you’ll send Part B claims.
Submit the Medicare Participating Physician or Supplier Agreement (CMS-460) (PDF) electronically with your enrollment application.
Write to each MAC to which you send Part B claims telling them that you’re terminating your participation in Medicare effective January 1. This written notice must be postmarked before December 31 of the previous effective year.
Speak with a Licensed Insurance Agent 877-388-0596 - TTY 711 (M-F 8am-9pm, Sat 9am-8pm EST)
How Does Medicare Reimburse Hospitals?
Medicare provides coverage for millions of Americans over the age of 65 or individuals under 65 who have certain permanent disabilities. Medicare recipients can receive care at a variety of facilities, and hospitals are commonly used for emergency care, inpatient procedures, and longer hospital stays. Medicare benefits often cover care at these facilities through Medicare Part A, and Medicare reimbursement for these services varies. Billing is based on the provider’s relationship with Medicare and the average cost of care for a specific diagnosis or procedure.
What Medicare Benefits Cover Hospital Expenses? Medicare Part A is responsible for covering hospital expenses when a Medicare recipient is formally admitted. Part A may include coverage for inpatient surgeries, recovery from surgery, multi-day hospital stays due to illness or injury, or other inpatient procedures. Part A covers the first 60 days of a hospital stay after the associated deductible and coinsurance payments have been made. Part A also includes coverage for skilled nursing facilities and hospice care.
What Does it Mean for a Hospital to “Accept Assignment?” Medicare determines reimbursement based on whether or not a provider participates in Medicare services. This is known as “accepting assignment.” Providers that fully accept assignment are known as participating providers. They agree to accept all of Medicare’s predetermined prices for all procedures and tests that are provided under Medicare coverage. This means that no matter what a hospital normally charges for a procedure, they agree to only charge Medicare recipients a set price. The majority of providers fall into this category.
If a provider is a non-participating provider, it means that they have not signed a contract with Medicare to accept the insurance company’s prices for all procedures, but they do for accept assignment for some. This is mainly due to the fact that Medicare reimbursement amounts are often lower than those received from private insurance companies. For these providers, the patient may be required to pay for the full cost of the visit up front and can then seek personal reimbursement from Medicare afterwards.
The amount for each procedure or test that is not contracted with Medicare can be up to 15 percent higher than the Medicare approved amount. In addition, Medicare will only reimburse patients for 95 percent of the Medicare approved amount. This means that the patient may be required to pay up to 20 percent extra in addition to their standard deductible, copayments, coinsurance payments, and premium payments.
While rare, some hospitals completely opt out of Medicare services. This means that patients who obtain care at these facilities will not receive any Medicare reimbursement and will need to pay for the full cost of the procedure out of pocket. These providers are also not limited on the amount they can charge for their procedures.
Determining Medicare Reimbursement Rates If a healthcare provider does accept assignment for some or all procedures, the billing is done based on a preset list of diagnoses and associated billing codes. Medicare uses a pay-per-service model that uses Diagnosis-Related Groups (DRGs). Each DRG is based on a specific primary or secondary diagnosis, and these groups are assigned to a patient during their stay depending on the reason for their visit.
Up to 25 procedures can impact the specific DRG that is assigned to a patient, and multiple DRGs can be assigned to a patient during a single stay. The DRGs assigned can also be influenced by patient age and gender.
Each DRG is rated based on severity with three levels: Major Complication, Complication, or Non-Complication. The highest level, Major Complication, often significantly contributes to a patient’s illness and also often requires significant hospital resources and is associated with a higher cost. Non-Complications are associated with fewer required resources and do not impact patient health as severely.
Reimbursement is based on the DRGs and procedures that were assigned and performed during the patient’s hospital stay. Each DRG is assigned a cost based on the average cost based on previous visits. This assigned cost provides a simple method for Medicare to reimburse hospitals as it is only a simple flat rate based on the services provided.
Related articles:
How Much Does Medicare Cost the Government? (Opens in a new browser tab)
How Does a Medicare Advantage Plan Work? (Opens in a new browser tab)
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If your doctor, provider, or supplier doesn't accept assignment: You might have to pay the full amount at the time of service. They should submit a claim to Medicare for any Medicare-covered services they give you, and they can't charge you for submitting a claim. If they refuse to submit a Medicare claim, you can submit your own claim to ...
Yes, MD Anderson consists of hospitals that accept Medicare assignment, meaning you can use your benefits at its 13 hospital systems throughout 11 states. What you need to realize is that while benefits for Original Medicare and Medigap are accepted, MD Anderson's Medicare Advantage options are quite limited. Furthermore, it is advised that ...
Welcome! You can use this tool to find and compare different types of Medicare providers (like physicians, hospitals, nursing homes, and others). Use our maps and filters to help you identify providers that are right for you. Find Medicare-approved providers near you & compare care quality for nursing homes, doctors, hospitals, hospice centers ...
All providers who accept assignment must submit claims directly to Medicare, which pays 80 percent of the approved cost for the service and will bill you the remaining 20 percent. You can get some preventive services and screenings, such as mammograms and colonoscopies, without paying a deductible or coinsurance if the provider accepts assignment.
Summary: Medicare Assignment is an agreement between healthcare providers and Medicare, where providers accept the Medicare-approved amount as full payment, preventing them from charging beneficiaries extra. This benefits Medicare beneficiaries by controlling their costs and ensuring they only pay deductibles and copayments.
These doctors charge the Medicare program 80% and the beneficiary 20% of the cost of the benefit. Non-participating doctors can choose to either accept or not accept Medicare assignment. If the doctor does not accept Medicare assignment, you might have to pay a 15% additional charge above the cost of the service, known as a Medicare excess charge.
or not to accept assignment. When they accept assignment, Medicare makes the payment directly to the physician and collects the 20 percent coinsurance from the patient, but the physician cannot collect the full limiting charge amount. For unassigned claims, Medicare reimburses the patient and the physician collects the entire limiting charge
For example, when a hospital signs up with Medicare to see Medicare patients, it must agree to accept the Medicare negotiated rate, including your deductible and/or coinsurance payment, as payment in full. ... But if your healthcare provider hasn't opted out but just doesn't accept assignment with Medicare (ie, doesn't accept the amount ...
Latah Community Health is a medicare enrolled primary clinic (Clinic/center - Federally Qualified Health Center (fqhc)) in Moscow, Idaho. The current practice location for Latah Community Health is 803 S. Main Street, Ste 120, Moscow, Idaho. For appointments, you can reach them via phone at (509) 444-8888.The mailing address for Latah Community Health is 611 N Iron Bridge Way, Spokane ...
Non-participating providers accept Medicare but do not agree to take assignment in all cases (they may on a case-by-case basis). This means that while non-participating providers have signed up to accept Medicare insurance, they do not accept Medicare's approved amount for health care services as full payment. Non-participating providers can ...
There are some non-par providers, however, who accept Medicare assignment for certain services, on a case-by-case basis. Those may include any of the services—anything from hospital and hospice care to lab tests and surgery—available from any assignment-accepting doctor, with a key exception: If a non-par provider accepts assignment for a ...
Medicare "participation" means you agree to accept claims assignment for all Medicare-covered services to your patients. By accepting assignment, you agree to accept Medicare-allowed amounts as payment in full. You may not collect more from the patient than the Medicare deductible and coinsurance or copayment. Participating Provider or ...
Providers who accept assignment are also known as Medicare participating providers. Non-participating providers can charge patients 115% of the Medicare approved amount, less Medicare's payment. Medigap Plans F and G cover these amounts, ... All Advantage plans must include an adequate number of providers and hospitals in their networks. If ...
Patricia N. Marciano, M.D. Family Medicine Medicare: Accepting Medicare Assignments Practice Location: 623 S Main St, Moscow, ID 83843 Phone: 208-882-2011 Fax: 208-883-1853
The majority of doctors accept assignment. Participating health providers have an agreement with Medicare to accept assignment for all Medicare-covered services. If the doctor accepts assignment ...
What is Medicare Assignment. Medicare assignment is an agreement by your doctor or other healthcare providers to accept the Medicare-approved amount as the full cost for a covered service. Providers who "accept assignment" bill Medicare directly for Part B-covered services and cannot charge you more than the applicable deductible and ...
Original Medicare is the fee-for-service plan that includes Medicare Part A, which covers hospital costs. And it also includes Medicare Part B, which pays for other healthcare services, ... If the therapist accepts the Medicare assignment, they will charge you $100 and bill Medicare. After Medicare pays $100, you'll owe 20%, or $20 for ...
Find and compare information about the quality of care at over 4,000 Medicare-certified hospitals, including over 130 Veterans Administration (VA) medical centers and over 50 military hospitals, across the country. Or want to learn more about ambulatory surgical centers (ASC)? Visit the ASC data on Data.cms.gov. Find Medicare-approved providers ...
Less than two percent of physicians have opted-out of Medicare in all but four states and the District of Columbia. As of June 2023, Alaska (3.1%), Colorado (2.3%), Wyoming (2.3%), Idaho (2.1% ...
Moscow Family Medicine Clinic is a medicare enrolled primary clinic (Family Medicine) in Moscow, Idaho. The current practice location for Moscow Family Medicine Clinic is 623 S Main St Ste 1, Moscow, Idaho. For appointments, you can reach them via phone at (208) 882-2011.The mailing address for Moscow Family Medicine Clinic is 700 S Main St, Moscow, Idaho and phone number is (208) 882-4511.
Providers that fully accept assignment are known as participating providers. They agree to accept all of Medicare's predetermined prices for all procedures and tests that are provided under Medicare coverage. This means that no matter what a hospital normally charges for a procedure, they agree to only charge Medicare recipients a set price.
Molly Thompson, M.D. Family Medicine Medicare: Accepting Medicare Assignments Practice Location: 825 Se Bishop Blvd Ste 401, Pullman, WA 99163 Phone: 509-332-7720 Fax: 509-334-9247