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When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

Through the No Surprises Act, you are protected from surprise or balance billing * in three main scenarios:

1. A person gets covered emergency services from an out-of-network provider or out-of-network emergency facility.
2. A person gets covered non-emergency services from an out-of-network provider delivered as part of a visit to an in-network health care facility.
3. A person gets covered air ambulance services provided by an out-of-network provider of air ambulance services.

You can only be balanced billed for one of these scenarios if you give the provider permission to do so by signing a surprise bill protection form. You aren’t required to provide permission and shouldn’t sign the form if you didn’t choose a health care provider before scheduling care. You can choose to get care from a provider or facility in-network, which may cost you less. To find an in-network provider, please call the number on the back of your GuideStone® ID card.