A law to protect Oregon consumers from surprise out-of-network medical bills went into effect Thursday.
So-called "balance billing" happens when you go to an in-network provider, but unbeknownst to you, the radiologist, emergency room physician or someone else, isn’t included in your insurance network.
The new law requires health care providers inform consumers about increased financial responsibility before choosing services from an out-of-network provider.
“As of today, Oregon consumers can breathe a little easier when they visit the hospital or emergency room,” said Jesse Ellis O’Brien, OSPIRG policy director.
“Oregonians no longer have to stomach an unjust and unacceptable status quo, where consumers often had no recourse when they received a giant bill they could do nothing to avoid.”
“It is almost impossible to choose every medical provider at a medical center that treats you, even more so in the case of an emergency,” said Andrew Stolfi, Oregon insurance commissioner.
If you receive a service from an out-of-network provider, you may still be responsible for co-insurance, co-payments, or deductibles.
“If you are surprised by a bill from an out-of-network doctor or other health care provider, you should connect with our advocacy team immediately," Stolfi said.
The law also doesn’t stop consumers from choosing an out-of-network provider.