Rising health-care costs in the United States have been a “hot button” issue for more than a decade. New Jersey is ranked one of the highest states for premiums and out-of-pocket costs, and is home to some of the most expensive hospitals in the world.

One of the core controversies, both in the marketplace and the legal arena, is “out-of-network” billing. Seemingly every week there is a news report about an individual receiving a “surprise” medical bill from an out-of-network provider, charging thousands of dollars for what appears to be a routine procedure. As more providers have left networks to be free of lower, contracted reimbursements, the difference between the amount an out-of-network provider charges a patient for a particular procedure and the amount that the patient’s insurance plan will cover has grown more divided.

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