"The bipartisan, bicameral agreement protects patients and establishes a fair payment dispute resolution process including: [1] Holds patients harmless from surprise medical bills ... in both emergency situations and certain non-emergency situations where patients do not have the ability to choose an in-network provider. [2] Prohibits certain out-of-network providers from balance billing patients unless the provider gives the patient notice of their network status and an estimate of charges 72 hours prior to receiving out-of-network services and the patient provides consent to receive out-of-network care. [3] Creates a framework that takes patients out of the middle, and allows health care providers and insurers to resolve payment disputes without involving the patient."

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