Ian L Pritchard LLC
Last Revised: 07/04/2026
Your Rights and Protections Against Surprise Medical Bills
Out-of-Network Billing & “Superbill” Policy
When you use health insurance to see a healthcare provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, or deductible. You may have additional costs if you see a provider who is not in your health plan’s network.
Ian L. Pritchard, Ph.D. is an Out-of-Network provider and has not signed a contract with any health insurance plan. Some out-of-network providers practice “balance billing”—billing you for the difference between what your plan pays and the full amount charged for a service.
I do not practice balance billing. Instead, you pay my clinical fee in full at the time of service. Following your appointment, my office will provide you with a standardized receipt called a “superbill” that you may choose to submit directly to your health insurance company for out-of-network reimbursement. Most health insurance plans provide some level of out-of-network reimbursement benefit—often upwards of 60% savings—which may count toward your deductible or annual out-of-pocket limit.
Your Right to a Good Faith Estimate (GFE)
Under Section 2799B-6 of the Public Health Service Act (the “No Surprises Act”), health care providers are required to provide individuals who do not have insurance—or who are choosing not to file claims with their insurance plan—an estimate of the bill for medical items and services.
- Right to an Estimate: You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like psychotherapy, psychiatric evaluations, and psychological testing.
- Delivery Timeline: Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
- Dispute Rights: If you receive a bill that is at least $400 more than your Good Faith Estimate, you have the right to dispute the bill.
- Record Keeping: Make sure to save a copy or picture of your Good Faith Estimate.
Federal Questions and Complaints
If you believe you have been wrongly billed, or if you would like more information about your rights under federal law, you may contact the U.S. Department of Health and Human Services (HHS) No Surprises Help Desk at (800) 985-3059 or visit www.cms.gov/nosurprises/consumers.