Good Faith Estimate

Updated September 6, 2026.

If you do not have health insurance, or choose not to use it for your care, you can request a written estimate of expected charges for non-emergency services. Ask before booking if you want to compare costs. Contact the practice and say that you are asking for a Good Faith Estimate as an uninsured or self-pay patient.

When to expect your estimate

When you arrange care	Federal deadline for the estimate
You request an estimate before scheduling	Within 3 business days of your request
You schedule 3–9 business days ahead	Within 1 business day after scheduling
You schedule at least 10 business days ahead	Within 3 business days after scheduling

The federal advance-estimate requirement does not apply to appointments scheduled only 0–2 business days ahead. You can still ask the practice about expected charges. CMS explains estimate timing and eligibility.

What the estimate means

An estimate describes expected items, services and charges; it is not a bill or a requirement to receive care. Ask each provider involved for its estimate, and keep a copy. Unanticipated care can affect the final amount. CMS explains the estimate and dispute rules.

If your bill is higher

If a provider's bill is at least $400 above that provider's estimate, you may qualify for the federal patient-provider dispute process. Start within 120 calendar days of the date on the initial bill. Save the estimate and bill; contact the practice about the difference promptly without letting the deadline pass. Read CMS's patient dispute guidance.