No Surprises Act - FAQ

Federal No Surprises Act

Enacted in December 2020, the federal No Surprises Act (the “NSA”) includes numerous protections for members and dependents regarding ‘surprise medical bills’ for emergency services and other situations where individuals may receive large, unexpected medical bills. These federal protections are generally applicable for plan years beginning on or after January 1, 2022. We are providing some key highlights of these new protections below for your reference, as well as a consumer disclosure related to Your Rights and Protections Against Surprise Medical Bills. Additional information is also available at https://www.cms.gov/nosurprises. Below are some frequently asked questions regarding the No Surprises Act:

NOTHING HEREIN IS A GUARANTEE OF BENEFITS OR ELIGIBILITY. ALL TERMS, PROVISIONS, CONDITIONS, LIMITITATIONS AND EXCLUSIONS SHOWN IN YOUR NIPPON LIFE INSURANCE COMPANY OF AMERICA CERTIFICATE AND MASTER POLICY WILL GOVERN. THIS INFORMATION IS PROVIDED FOR GENERAL INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO OFFER LEGAL, TAX, BENEFITS, MEDICAL OR ANY OTHER PROFESSIONAL ADIVICE.

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