- 1 Describe
- 2 Options
- 3 Generate
- 4 Track
- 5 Book
I got a surprise bill from an out-of-network doctor
Your options, best first
#1 Instant price check and quote request
What it costs here
Price check: UNKNOWN. no live listing prices yet in this category, so we do not guess; send the generated request below to get real quotes.
#2 Book a advocate
Hospital / facility bill audit & negotiation
An advocate can read the EOB and write the letter you send.
Prices are set by each independent advocate and shown before you pay.
#3 Do it yourself
Check whether protections apply
- Compare the bill to your EOB and cost-sharing amount.
- Emergency care and out-of-network clinicians at in-network facilities are covered by the No Surprises Act in many cases.
- Call the number on your EOB and ask them to reprocess at in-network rates.
- Send the free letter to the provider.
- Contact the federal help desk if it is not fixed (CMS 1-800-985-3059).
Safety: Do not pay the amount above your cost share until reviewed.
Stop and call a pro if: the provider keeps billing you above your in-network cost sharing: call the federal help desk or a legal aid office.
Based on: CMS - No Surprises Act, U.S. PIRG - I received a medical bill I cannot afford to pay
General information, not professional, legal or medical advice. You decide and you send every document yourself; we never contact anyone for you.