Beginning in July, if you have health insurance and go to an in-network hospital but a doctor who is not in your insurance plan’s network helps you, you aren’t supposed to get a surprise bill. The law is designed to stop what’s called balanced billing - the practice of charging a patient for medical care delivered by doctors outside their insurance network even when the the care was performed at an in-network facility. It’s a small effort toward more clarity for health-care prices. It’s not