Good Faith Estimates and the No Surprises Act, explained
Your rights as a self-pay patient, what a Good Faith Estimate includes and what to do if your bill is higher.
Earl Johns, MSN, PMHNP-BC
Board-certified psychiatric nurse practitioner and founder of Wellthy Psychiatry & Wellness
✓ Medically reviewed by Earl Johns, MSN, PMHNP-BC
If you pay for care yourself or don’t use insurance, federal law gives you the right to know expected costs up front. Here’s how it works.
What a Good Faith Estimate is
Under the No Surprises Act, providers must give uninsured and self-pay patients a written estimate of expected charges for scheduled care. You can ask for one before your first visit.
What it includes
An estimate lists the expected services, codes and costs. It isn’t a contract, but it sets clear expectations.
If your bill is higher
If you’re billed at least $400 more than your estimate, you may be able to dispute the bill through a federal process. Keep a copy of your estimate.
Questions are welcome
Wellthy Psychiatry is happy to walk you through fees, superbills and estimates. You can find details on our Fees & Policies page.
A gentle next step
A free 15-minute phone consult is an easy way to see if Wellthy Psychiatry feels like the right fit for you.
This article is for general education and isn’t medical advice. If you’re in crisis, call or text 988, the Suicide & Crisis Lifeline, or call 911.
About the author
Earl Johns, MSN, PMHNP-BC
Board-certified psychiatric nurse practitioner · UCSF-trained · Founder of Wellthy Psychiatry & Wellness
Earl provides LGBTQ+ and neurodivergent-affirming psychiatric care, blending medication management, therapy and whole-person approaches. He sees clients in San Francisco and by telehealth across California.
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