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Hearten Counseling | Ensure transparency in healthcare costs with a Good Faith Estimate

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:

  • Expected charges for the primary item or service.

  • Expected charges for any other items or services related to the primary service for that period of care.

  • It may not include every service from another provider, even if connected to the primary service.

  • For example, if you're having surgery, it may cover surgery costs, anesthesia, lab services, and tests.

  • Some related services like pre-surgery appointments or post-surgery physical therapy may not be included.

Your Right to a Good Faith Estimate:

  • Providers must give you a good faith estimate after scheduling a healthcare item or service.

  • If scheduled at least 3 business days in advance, the estimate must be provided within 1 business day.

  • If scheduled or requested at least 10 business days in advance, the estimate must be given within 3 business days.

  • The estimate should include a list of each service and its details, like the service code.

  • It should be accessible to you, such as in large print, Braille, or audio formats.

  • Providers must explain the estimate verbally or in person upon request and provide a written estimate in your preferred format.

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