If you have private health insurance, federal protections generally limit what an out-of-network provider can charge you for emergency care and certain services at an in-network facility. For some services, including anesthesiology at a covered in-network facility, a provider cannot ask you to waive those protections. Compare your bill with your plan’s explanation of benefits and contact your insurer if the amounts differ.
Source: cms.gov
Updated November 7, 2026
