People insured through Medicare and Medicaid are not subject to balance billing. There are protections against ''surprise billing'' in emergency situations when individuals cannot be charged more for ot-of-plan care than their plan authorizes and similar protections covering ancillary services provided by ancillary out-of-network providers who provide care at in-network hospitals. Balance billing is generally allowable when an individual chooses to use a healthcare provider that doesn’t have a relationship or contract with one's insurer (including ground ambulance charges, even after implementation of the No Surprises Act);When one chooses to get services that aren’t covered by one's health insurance policy, even if those services are from a provider that has a contract with one's health plan.