How to Get a Good Faith Estimate Before a Procedure

Unexpected medical bills after a procedure are one of the most common causes of financial stress. The good news is that in 2026 you have a federal right to know the expected cost in advance if you are uninsured, underinsured, or simply want to pay cash. This right is called a Good Faith Estimate, and using it can prevent surprise bills.

This guide explains exactly how to request and use a Good Faith Estimate before any scheduled non-emergency procedure.

What a Good Faith Estimate is

A Good Faith Estimate is a written document from the provider that lists the expected charges for a scheduled service. It must include:

• A description of the service • The expected total cost • Itemized charges where possible • Any assumptions made (such as the procedure being performed in-network or with specific insurance)

The estimate is not a binding contract, but it gives you a realistic range so you can shop around or plan your finances.

Who is entitled to one

• Uninsured patients
• Patients who choose to self-pay (even if you have insurance)
• Anyone requesting the estimate before a non-emergency service

You can ask for it at any time before the procedure. The provider must deliver it within one to three business days of your request.

Step-by-step process to request a Good Faith Estimate

1. Contact the provider’s billing or scheduling office at least 7-10 days before the procedure.
2. Say clearly: “I am requesting a Good Faith Estimate for the scheduled procedure under the No Surprises Act.”
3. Provide the exact procedure name, CPT code if known, and date of service.
4. Ask for the estimate in writing (email or mailed copy).
5. Request estimates from all providers involved (surgeon, facility, anesthesiologist, lab, etc.) so you see the full picture.

If multiple providers are involved, you can ask the main facility to coordinate a combined estimate.

What to do with the Good Faith Estimate

• Compare it against your budget and insurance benefits.
• Shop around if the estimate is too high; many providers will match or beat a competitor’s estimate.
• Keep the written estimate for your records.

What happens if the final bill is much higher

If you are uninsured or self-pay and the final bill exceeds the Good Faith Estimate by $400 or more, you have the right to use the Patient-Provider Dispute Resolution process. You submit the estimate, the bill, provider details, and a $25 non-refundable fee. An independent reviewer decides the fair payment amount, which becomes binding on the provider.

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Bill Advantage is a document literacy tool. Nothing in this article constitutes legal or medical advice.