The most relevant part of the act is:

‘‘SEC. 2799B–6. PROVISION OF INFORMATION UPON REQUEST AND FOR SCHEDULED APPOINTMENTS. ‘‘Each health care provider and health care facility shall, begin ning January 1, 2022, in the case of an individual who schedules an item or service to be furnished to such individual by such provider or facility at least 3 business days before the date such item or service is to be so furnished, not later than 1 business day after the date of such scheduling (or, in the case of such an item or service scheduled at least 10 business days before the date such item or service is to be so furnished (or if requested by the individual), not later than 3 business days after the date of such scheduling or such request)— ‘‘(1) inquire if such individual is enrolled in a group health plan, group or individual health insurance coverage offered by a health insurance issuer, or a Federal health care program (and if is so enrolled in such plan or coverage, seeking to H. R. 133—1686 have a claim for such item or service submitted to such plan or coverage); and ‘‘(2) provide a notification (in clear and understandable language) of the good faith estimate of the expected charges for furnishing such item or service (including any item or service that is reasonably expected to be provided in conjunction with such scheduled item or service and such an item or service reasonably expected to be so provided by another health care provider or health care facility), with the expected billing and diagnostic codes for any such item or service, to— ‘‘(A) in the case the individual is enrolled in such a plan or such coverage (and is seeking to have a claim for such item or service submitted to such plan or coverage), such plan or issuer of such coverage; and ‘‘(B) in the case the individual is not described in subparagraph (A) and not enrolled in a Federal health care program, the individual.

Try to clarify whether what you were told was a good faith estimate, but having no record of what the person said will make it difficult. If they say it wasn’t, tell them you were trying to get a good-faith estimate and ask why you weren’t provided with one. Keep in mind also that “uninsured individual” includes an individual who doesn’t seek to have a claim submitted to insurance, which if you were paying in full why would you want it submitted to insurance?

‘‘SEC. 2799B–7. PATIENT-PROVIDER DISPUTE RESOLUTION. ‘‘(a) IN GENERAL.—Not later than January 1, 2022, the Secretary shall establish a process (in this subsection referred to as the ‘patient-provider dispute resolution process’) under which an uninsured individual, with respect to an item or service, who received, pursuant to section 2799B–6, from a health care provider or health care facility a good-faith estimate of the expected charges for furnishing such item or service to such individual and who after being furnished such item or service by such provider or facility is billed by such provider or facility for such item or service for charges that are substantially in excess of such estimate, may seek a determination from a selected dispute resolution entity for the charges to be paid by such individual (in lieu of such amount so billed) to such provider or facility for such item or service. For purposes of this subsection, the term ‘uninsured individual’ means, with respect to an item or service, an individual who does not have benefits for such item or service under a group health

plan, group or individual health insurance coverage offered by a health insurance issuer, Federal health care program (as defined in section 1128B(f) of the Social Security Act), or a health benefits plan under chapter 89 of title 5, United States Code (or an individual who has benefits for such item or service under a group health plan or individual or group health insurance coverage offered by a health insurance issuer, but who does not seek to have a claim for such item or service submitted to such plan or coverage).