Elimination of Six-Figure Member Liability Through NSA (No Surprises Act) Advocacy

This case involved two high-balance hospital claims already placed with separate collections agencies, both of which refused to negotiate and incorrectly asserted emergency service exceptions. Phia obtained and analyzed billing documentation, identifying clear grounds for No Surprises Act protection.

 

Initial resistance from the provider and both agencies required escalation and collaborative internal review. Using additional legal and regulatory arguments, Phia pressed the provider on compliance obligations and maintained ongoing communication with the client.

 

Ultimately, the provider recalled both accounts from collections, adjusted the balances to zero, and confirmed no liability for the member—eliminating a six-figure financial threat.

 

By partnering with The Phia Group, the client resolved $271,000 in balance bills and protected the member from significant financial exposure.