Health insurance; surprise out-of-network bills: A. A bill for a health care service that was provided in a network facility by a health care provider that is not a contracted provider must meet one of the following requirements to qualify as a surprise out‑of‑network bill:
1. The bill was for emergency services, including under circumstances described by section 20‑2803, subsection A and health care services directly related to the emergency services that are provided during an inpatient admission to any network facility.
2. The bill was for a health care service that was not provided in the case of an emergency and the health care provider or the provider’s representative did not provide to the enrollee, or did not provide to the enrollee within a reasonable amount of time before the enrollee received the services, a written dated disclosure that contained the following information:
(a) Notice that contains the name of the billing health care provider and that states the health care provider is not a contracted provider.
(b) The estimated total cost to be billed by the health care provider or the provider’s representative.
(c) Notice that the enrollee or the enrollee’s authorized representative is not required to sign the disclosure to obtain medical care but if the enrollee or the enrollee’s representative signs the disclosure, the enrollee may have waived any rights to dispute resolution under this article.
3. The bill was for a health care service that was not provided in the case of an emergency and the enrollee received the disclosure prescribed in paragraph 2 of this subsection, but the enrollee or the enrollee’s authorized representative chose not to sign the disclosure.