If a patient is rushed to the emergency room for surgery, they may not know what kind of insurance the anesthesiologist that's putting them under takes until they get a bill. HB 888 would require patients to pay no more than their deductible, copay or other in-network payment level determined by their plan.
Providers can request arbitration for additional payment through the state insurance commissioner under this bill. Significantly, at that point the patient is out of the fight once he or she has paid their deductible or co-pay. Only the care provider and health insurance company remain in the dispute.