surprise billing services provided outside a patient’s insurance network “balance billing.” surprise medical bills “balance billing.” services provided outside a patient’s insurance network increasingly common experience 70 percent of patients staggered by these often hefty bills out-of-network ER care limited assistance limited assistance Kaiser Family Foundation surprise balance bills Surprise Medical Bills Kaiser Family Foundation Kaiser Family Foundation survey Federal law requires most health plans Kaiser Family Foundation survey limited assistance surprise medical bills increasingly common experience increasingly common experience balance billing limited assistance increasingly common experience limited assistance Kaiser Family Foundation increasingly common experience limited assistance facturación de balance according to the Kaiser Family Foundation 23 states balance billing increasingly common experience increasingly common experience services provided outside a patient’s insurance network 70 percent of patients staggered by these often hefty bills surprise balance billing surprise medical bills limited assistance out-of-network medical bills