Private Pay and the No Surprises Act: Good Faith Estimate

Under the No Surprises Act, you have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under this law, health care providers are obligated to provide an estimate of how much one can expect to pay for medical services to clients/patients who are not using insurance to pay for services or who do not have insurance.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item.You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

  • Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call the Colorado Division of Insurance at 303-894-7490 or 1-800-930-3745.