Published on Sep 15, 2025 | 1:25 PM
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Imagine going to the ER in the middle of the night for sudden chest pain. You’re scared, you do everything right—show your insurance card, sign the paperwork, get treated. Then weeks later, you open a bill for thousands of dollars. The shocking part? You thought your insurance covered it. This is what’s known as “surprise billing.”
Surprise billing happens when you receive care from a provider or facility that’s outside of your insurance network—often without your knowledge. Even if the hospital itself is in-network, certain doctors, like anesthesiologists, radiologists, or ER physicians, may not be. Their services can generate hefty out-of-network fees you never expected.
The good news is that laws have recently changed. The No Surprises Act, which took effect in January 2022, offers protection from most surprise bills by:
Still, not every situation is covered. Some outpatient services and elective procedures may still lead to out-of-network fees if patients aren’t careful.
At CallOnDoc, we believe healthcare should be affordable, transparent, and stress-free. That’s why:
Healthcare is complicated enough. Billing shouldn’t be the part that keeps you up at night. With the right knowledge and the right care partner, you can stay protected and focused on your health—not your wallet.
Because treatment should be as simple as a text.
Tap. Type. Treated. Start-to-finish in 15 minutes.
Shelly House, FNP, is a Family Nurse Practitioner and Call-On-Doc’s trusted medical education voice. With extensive experience in telehealth and patient-centered care, Ms. House is dedicated to making complex health topics simple and accessible. Through evidence-based content, provider collaboration, and a passion for empowering patients, her mission is to break down barriers to healthcare by delivering clear, compassionate, and practical medical guidance.
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