New survey reveals 57 percent of Americans have been surprised by a medical bill

Fifty-seven percent of American adults have been surprised by a medical bill that they thought would have been covered by insurance, according to a new AmeriSpeak survey from NORC at the University of Chicago. Respondents indicated that 20% of their surprise bills were a result of a doctor not being part of the network.

Among those surveyed who indicated that they had been surprised by medical bills in the past, the charges were most often for physician services (53%) followed closely by laboratory tests (51%). Other common sources of surprise bills were hospitals or other health care facility charges (43%), imaging (35%), and prescription drugs (29%).

Surprise medical bills may occur for several reasons. In some cases, particular services (e.g., certain lab tests) or products (e.g., certain prescription drugs) may not be covered by a health plan. Care received before meeting the deductible or high cost-sharing requirements may also surprise consumers. In other cases, health care providers may be out-of-network for a plan. When that occurs, charges for the services may only be partially covered or not covered at all, depending on the type of insurance and benefit design.

“Most Americans have been surprised by medical bills that they expected would be covered by their insurance,” said Caroline Pearson, senior fellow at NORC at the University of Chicago. “This suggests that consumers may have difficulty understanding their insurance benefits or knowing which providers are included in their plan’s network.”

The public holds insurers and hospitals most accountable for surprise medical bills.

When asked which groups are most responsible for surprise medical bills, 86% of respondents said insurance companies are “very” or “somewhat” responsible, while 82% said hospitals were “very” or “somewhat” responsible. Respondents were less likely to hold their doctors responsible, with 71% saying doctors are “very” or “somewhat” responsible for surprise bills.

“While consumers report that physician services are the most common source of their surprise bills, they are most likely to blame insurers for those bills,” said Michelle Strollo, Vice President at NORC.


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