The federal No Surprises Act (NSA) prohibits out-of-network health care providers and facilities from balance
billing commercially insured patients, in certain circumstances. The NSA and its implementing regulations set a
method for determining the patient cost-sharing for these out-of-network situations, and when state law does not
establish a provider payment methodology, the NSA establishes an independent dispute resolution (IDR) arbitration
system to establish provider payment.
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