"Surprise billing" is the latest health care crisis, and it has prompted the usual response: big government to the rescue. Balance billing — or a surprise medical bill — happens when you get a bill from a doctor, hospital, or other health care provider who isn't part of your health plan's network of physicians, hospitals, and other health care providers.  Your health plan is your health insurance. Surprise billing occurs because insurance plans can't create coverage for all the providers you might see in their promises to insured, and insureds don't get a proper warning about the impact of bills from out-of-network doctors and hospitals that aren't under agreements for fees with the insurance plan.  Most insurance/network plans don't get the high-dollar and high-expertise providers to agree to their fees, which are pretty modest (often chintzy), so most insurance plans with "networks" sell a shabby...(Read Full Article)