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Good Faith Estimate
If you're uninsured or plan to self-pay for healthcare, providers must give you a "good faith estimate" of expected charges when you schedule or request an estimate for a service.
This estimate isn't a bill but shows the expected costs based on known information, excluding any unforeseen expenses.
If the billed amount exceeds the estimate by $400 or more, you may be eligible to dispute the bill.
What the Good Faith Estimate Includes:
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Expected charges for the primary item or service.
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Expected charges for any other items or services related to the primary service for that period of care.
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It may not include every service from another provider, even if connected to the primary service.
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For example, if you're having surgery, it may cover surgery costs, anesthesia, lab services, and tests.
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Some related services like pre-surgery appointments or post-surgery physical therapy may not be included.
Your Right to a Good Faith Estimate:
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Providers must give you a good faith estimate after scheduling a healthcare item or service.
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If scheduled at least 3 business days in advance, the estimate must be provided within 1 business day.
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If scheduled or requested at least 10 business days in advance, the estimate must be given within 3 business days.
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The estimate should include a list of each service and its details, like the service code.
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It should be accessible to you, such as in large print, Braille, or audio formats.
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Providers must explain the estimate verbally or in person upon request and provide a written estimate in your preferred format.
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