Surprise medical bills happen most often when a hospital contracts with medical providers—including doctors, surgeons, anesthesiologists, lab technicians—that do not accept the same insurance plans that the hospital does. That means that patients, like Elfrank-Dana, can walk into an in-network hospital, see an in-network doctor, and suddenly find himself on the hook for thousands of dollars anyway, just because he inadvertently received care from a provider, such as a lab technician or physician, who was out-of-network.
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