Learn · Nov 8, 2026 · Not legal advice
Good faith estimates and the $400 rule, if you’re not using insurance
If you don’t have or use insurance, providers usually must give you a good faith estimate when you ask or schedule at least 3 business days ahead. You may be able to dispute a bill that’s at least $400 more than the estimate.
What to say
I’m not using insurance for this. Can I get a good faith estimate in writing, and do you have a self-pay discount?
Keep in mind
- Keep each estimate and the final bill.
- Compare each provider against its own estimate.
- Check CMS for the current dispute steps and deadlines.
Common questions
Who can help?
CMS offers phone support for medical bill rights at 1-800-985-3059.