Your Rights and Protections Against Surprise Medical Bills

At Torrance Memorial Medical Center, we believe patients deserve clear, transparent information about the cost of care. Federal and California laws protect you from unexpected medical bills, also known as surprise billing or balance billing, in certain situations.

This page explains your rights, what to expect, and how to get help if you have questions about your medical bill.

What Is Surprise Billing or Balance Billing?

Surprise medical bills can happen when you receive care from a provider who is not in your health insurance network—especially when you didn’t choose that provider.

Balance billing occurs when an out-of-network provider bills you for the difference between what your insurance pays and the full cost of the service.

Good news: You are protected from these charges in many situations.

Your Protections for Emergency Services

If you receive emergency care from an out-of-network provider or facility:

  • You can only be charged your in-network cost-sharing amount (copayments, coinsurance, or deductibles)
  • You cannot be balance billed for emergency services
  • This protection applies even after you are stabilized, unless you give written consent to waive your protections

In an emergency, you are protected—even if the provider is out-of-network.

When the Hospital Is In-Network, but a Provider Is Not

Torrance Memorial Medical Center contracts with many health plans. However, some physicians or specialists involved in your care may not be in your insurance network.

In these cases:

  • You are only responsible for your in-network cost-sharing amount
  • Out-of-network providers cannot balance bill you
  • Providers must obtain your written consent before charging higher out-of-network rates

You are never required to sign this consent and should not feel pressured to do so.

Know Your Options

  • Ask if your provider is in-network
  • Request an estimate of out-of-pocket costs
  • Ask your insurance plan for an in-network provider alternative
  • Decline care from out-of-network providers when possible (non-emergency situations)

Uninsured Patients and Financial Assistance

If you do not have insurance and receive emergency services at Torrance Memorial Medical Center:

  • We will work with you to explain your financial options
  • Our team will reach out to discuss financial assistance programs
  • We are committed to helping make care accessible and understandable

Check Your Network Status

To confirm whether Torrance Memorial Medical Center is in-network with your health plan, call 310-517-1010.

What To Do If You Receive an Unexpected Bill

Request a Copy of This Notice

You may request an electronic or printed copy of this notice at any time from the registration staff during your visit.