Notices

 Information Provided as Required by Law

When you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing. In these cases, you shouldn’t be charged more than your plan’s co-payments, coinsurance and/or deductible.

What is “balance billing” (sometimes called “surprise billing”)?: When you see a doctor or other health care provider, you may owe certain out-of-pocket costs,like a co-payment, coinsurance, or deductible. You may have additional costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

“Out-of-network” means providers and facilities that haven’t signed a contract with your health plan to provide services. Out-of-network providers may be allowed to bill you for the difference between what your plan pays and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your plan’s deductible or annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in- network facility but are unexpectedly treated by an out-of-network provider. Surprise medical bills could cost thousands of dollars depending on the procedure or service.

You’re protected from balance billing for: Emergency services If you have an emergency medical condition and get emergency services from an out-of- network provider or facility, the most they can bill you is your plan’s in-network cost-sharing amount (such as co-payments, coinsurance, and deductibles). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers can bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other types of services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections. You’re never required to give up your protections from balance billing. You also aren’t required to get out-of-network care. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have these protections:

• You’re only responsible for paying your share of the cost (like the co-payments, coinsurance, and deductible that you would pay if the provider or facility was in-network). Your health plan will pay any additional costs to out-of-network providers and facilities directly.

• Generally, your health plan must: Cover emergency services without requiring you to get approval for services in advance (also known as “prior authorization”). Cover emergency services by out-of-network providers. Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits. Count any amount you pay for emergency services or out-of-network services toward your in-network deductible and out-of-pocket limit. If you think you’ve been wrongly billed, the federal contact for information and complaints is: 1-800-985-3059.  The U.S. Department of Health and Human Services Phone: 1-877-696-6775 Alaska Division of Insurance Phone: 907-269-7900 or 1-800-467-8725

Visit: www.cms.gov/nosurprises/consumers;  Visit: https://www.commerce.alaska.gov/web/ins/Consumers/Health.aspx

Alaska: You will be provided with an estimate of the anticipated charges for your non-emergency care upon request. Please do not hesitate to ask for information. Rates are available in writing, in person, or over the phone. A good faith estimate before the non-emergency health care services are provided and not later than 10 business days after receiving the request and the request must occur at least three days prior to receiving care.The request can be reported orally, in writing or electronic means. The undiscounted price may be higher or lower than the amount an individual actually pays for the health care services. A listing with 20 pt font is available upon request. Common Physical Therapy CPT Codes are: 97161 Initial Evaluation Low Complex, 97162 Initial Evaluation Moderate Complexity, 97163 Initial Evaluation High Complexity, 97164 Re-Evaluation, 97110 Therapeutic Exercise, 97140 Manual Therapy, 97112 Neuromuscular Reeducation, 97530 Therapeutic Activity, 95992 Canalith Repositioning, 97535 Self Care Home Management Training, 97113 Aquatic Therapy, 97150 Group Aquatic, 97550 FCE / Physical Performance Tests & Measures, 20560 Needle Insertion without injection 1 or 2 muscles, 20561 Needle Insertion without injection 3 or more muscles.