Surprise billing

Good Faith Estimate — when the bill is much higher than what they quoted

If you're paying out of pocket for scheduled care, the provider has to give you a written Good Faith Estimate before the service. If the actual bill exceeds the estimate by $400 or more, you have a federal right to dispute the difference through the Patient-Provider Dispute Resolution process.

Federal basis

No Surprises Act — Good Faith Estimate / PPDR

45 CFR §149.610 (GFE) / §149.620 (PPDR)

Read the source →

What this looks like in practice

Under the No Surprises Act, providers must give uninsured and self-pay patients a written Good Faith Estimate for scheduled non-emergency services. If the final bill is more than $400 above the GFE, the patient can file a Patient-Provider Dispute Resolution (PPDR) request with HHS within 120 days of receiving the bill. A federally-certified dispute resolution entity reviews the case for $25 patient cost (refunded if the patient prevails) and decides what amount the patient owes. The provider's bill is bound by the decision.

The GFE has to be specific: the patient's name, the service description with CPT codes and expected charges, the total expected cost, and a disclaimer that actual costs may differ. A vague 'this might cost a few thousand dollars' isn't a GFE.

How to spot it on a bill

  • 01.You scheduled a procedure as self-pay or uninsured, and you got a final bill but never received a written Good Faith Estimate.
  • 02.You received a GFE but the final bill is more than $400 above the estimate — for the same services rendered.
  • 03.The GFE didn't include specific CPT codes or itemized expected charges.

What to write — ready-to-paste language

Replace the bracketed fields with your specific details. Send by certified mail with return receipt, or via the hospital’s patient portal if it offers documented messaging. Keep a copy.

I'm writing about my bill dated [date] for $[amount]. The Good Faith Estimate I received before the service was for $[GFE amount] — a difference of $[delta], which exceeds the $400 threshold for Patient-Provider Dispute Resolution under No Surprises Act §149.620 (45 CFR §149.620). Please send a corrected bill that aligns with the GFE, or I will file a PPDR request with HHS within 120 days as my federal right.

This is a starting point, not legal advice. Your specific situation may warrant additional details. Our scan tool drafts this letter automatically with your bill’s specifics filled in.

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Related scenarios

Common questions

What if I never got a Good Faith Estimate?
If the provider didn't give you a GFE for scheduled non-emergency self-pay care, that itself is a No Surprises Act violation. Contact the federal No Surprises Help Desk at 1-800-985-3059. The lack of a GFE doesn't automatically void the bill, but it does support a complaint to HHS, and state regulators may also enforce.
Does the GFE rule apply if I have insurance?
The GFE rule under §149.610 applies to uninsured and self-pay patients. Insured patients have separate protections under different parts of the NSA (mainly the surprise-bill protections). HHS has signaled it may extend GFE requirements to insured patients in future rulemaking, but as of now it's self-pay only.

P.S. The dispute language above is a starting point. Bills with this pattern often have additional issues alongside it — coding errors stacked with markup, surprise bills stacked with charity- care eligibility. The scan finds all of them in one pass. Start the audit →

P.P.S.Federal law gives you these rights regardless of how the bill arrived. Insured, uninsured, in-network, out-of-network — the underlying patient-protection statutes apply.

P.P.P.S. Bills are time-sensitive. Most insurance appeals must be filed within 180 days. Charity-care discounts at non-profit hospitals are most easily applied within 240 days of the original bill. Acting earlier costs less.