For many years, consumers of health care services have complained about unexpectedly large bills they received for medical services from providers who turned out to be outside of the network offered by their health insurance benefit plan. These complaints prompted the New York State Department of Financial Services (DFS) to undertake a study of this problem, and the DFS issued a report in 2012.1
The report indicated that its findings and recommendations were based in part upon DFS’s review of more than 2,000 complaints it received in 2011 involving payment issues for emergency as well as non-emergency medical services.
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