Surprise billing -- when your urgent or emergency medical care results in massive bills that your insurer won't cover -- are a life-destroying phenomenon for an increasing number of Americans, who not only can't shop around for an emergency room from the back of an ambulance, but who also have no way to learn in advance whether their visit will generate five- or even six-figure bills. Read the rest

Even if you're insured and even if you assiduously verify that the emergency rooms you visit when undergoing a medical crisis are "in network" for your insurer, you can still end up with thousands of dollars in "surprise bills" from ER docs and anesthetists who don't work for the hospital -- instead, they work for private "physician staffing firms" who can and do charge whatever they want for your care. Read the rest