What is balance billing and in what scenarios is it often restricted?

• A. Billing patients for all services regardless of coverage; restrictions apply only for out-of-network.
• B. Billing patients for non-covered services; restrictions apply for in-network care.
• C. Billing is not allowed under any circumstances.
• D. Charging the patient the difference between the provider's charge and the insurer's payment; restrictions commonly apply for emergency services and in-network care.

Answer: (D)