We won our disputes.
Some Insurers still don’t pay.
Most of the time, the arbitrator agrees with us.
PHI Health complies with every requirement of the No Surprises Act. When independent arbitrators confirm a claim was fair, the law is supposed to guarantee payment. That’s not always happening.
Neutral Arbitration
Full NSA Compliance
Enforcement Gap
How the process is supposed to work
The No Surprises Act took patients out of the middle of billing disputes between providers and insurers. When PHI and a health plan disagree on payment for emergency air medical care, an independent, neutral arbitrator decides — not PHI, not the insurer. PHI wins the large majority of these arbitrations, meaning a neutral third party consistently agrees our pricing is reasonable.
Where the system is breaking down
A final arbitration decision is supposed to be the end of the dispute. Increasingly, it isn’t. A growing number of health plans are simply not paying awards they’ve already lost — and no federal agency currently has clear, consistent authority to compel payment once that happens. That gap doesn’t just affect PHI; it affects every provider that relies on IDR working the way Congress designed it.
What accountability should look like
PHI isn’t asking for special treatment — we’re asking that a legally binding decision function like one. That means giving CMS and DOL real enforcement tools, and it means insurers honoring outcomes they agreed to be bound by when they entered the process.