Finding the right health plan is always tricky. Costs and benefits can change from year to year and needs are often unpredictable. But in 2022, there’s one change to health coverage, including the Federal Employees Health Benefits program, that could have a positive impact on almost every beneficiary. Last year, Congress passed the No Surprises Act, which takes effect on January 1. Under the new law, surprise billing is banned for emergency services. That means patients will pay no more for emergency care than what they would have paid to receive care in-network. The law also bans prior authorization requirements for emergency services whether the provider is in-network or not.

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