Out-of-Network Consumer Protection


Read questions and answers to help you understand out-of-network care, surprise bills and how New Jersey's Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act can help you.

New Jersey has a law, the Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act (the “Act”), to help protect you from surprise bills, including bills for emergency services from doctors, hospitals and other health care professionals who are not in your health plan’s network (also called out-of-network providers).

The FAQs below can help you understand out-of-network care, surprise bills and how the Act can help you.