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Your Rights and Protections Against Surprise Medical Bills (cont.)When balance billing isn%u2019t allowed, you also have the following protections:You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductiblesthat you would pay if the provider or facility was in-network). Your health plan will pay any additional costs toout-of-network providers and facilities directly.1.2.Generally, your health plan must:Cover emergency services without requiring you to get approval for services in advance (also known as %u201cpriorauthorization%u201d).Cover emergency services by out-of-network providers.Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider orfacility and show that amount in your explanation of benefits.Count any amount you pay for emergency services or out-of-network services toward your in-networkdeductible and out-of-pocket limit.If you believe you%u2019ve been wrongly billed, the following information and resources are available to help youunderstand your rights:Assistance by telephone %u2013 You may contact the U.S. Department of Health & Human Services at (800) 985-3059 todiscuss whether you may have any surprise billing protection rights for your situation.Available online assistance %u2013 You can also visit the U.S. Centers for Medicare & Medicaid Services website to learnmore about protections from surprise medical bills and for contact information for the state department ofinsurance or other similar agency/resource in your state to learn if you have any rights under applicable state law.Please click on your state in the map for contact information to appear.39Fixed Indemnity NoticeIMPORTANT: Hospital Indemnity Insurance is a fixed indemnity policy, NOT health insurance.This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsiblefor paying the cost of your care.The payment you get isn't based on the size of your medical bill.There might be a limit on how much this policy will pay each year.This policy isn't a substitute for comprehensive health insurance.Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply tohealth insurance.Looking for comprehensive health insurance?Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.To find out if you can get health insurance through your job, or a family member's job, contact the employer.Questions about this policy?For questions or complaints about this policy, contact your State Department of Insurance. Find their number onthe National Association of Insurance Commissioners' website (naic.org) under \\If you have this policy through your job, or a family member's job, contact the employer.