Being charged the gap between a provider’s rate and what insurance allowed.
Balance billing is when an out-of-network provider bills you for the difference between their full charge and the amount your insurer allowed. Federal and state law now limit it in many emergency and facility situations.
“Provider charged $3,000; insurer allowed $1,200; you were billed the $1,800 balance.”
Upload your bill or EOB and Main AI checks it line by line, flagging where a charge or term like this may not be right.
Analyze my document free →The federal No Surprises Act bars balance billing for most emergency care and for out-of-network providers at in-network facilities. If you were treated at an in-network hospital or in an emergency and got a surprise gap bill, it may be prohibited — a specific, checkable defense.
See this in your own document: run a free analysis — findings quote the exact language.
“This is an out-of-network balance. You are responsible for $1,800.”
Before paying, check whether the care was emergency or at an in-network facility — if so, the No Surprises Act may make this balance unlawful.