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Texas Department of Insurance

Your plan probably doesn’t have state protections against surprise medical billing

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You answered that:

  • You received a surprise bill between January 1, 2020, and December 31, 2021.
  • You have “another type of coverage.”

Based on these answers, it appears you have a self-funded health plan. This means the surprise billing laws do not apply to your case.

How you can get help:

  • File an appeal with your health plan.
  • Contact the agency that regulates your health plan. To find that agency, check your health plan’s member booklet or ask your company’s benefit coordinator.
  • Learn how to file a complaint about a self-funded health plan.
  • Call our Help Line at 800-252-3439 if you can’t find the agency that regulates your health plan.
Last updated: 10/27/2025