Helpful Consumer Guide to understanding health care prices. Prepared by the Healthcare Financial Management Association (HFMA). The overview identifies questions to ask before you have elective surgery, how to discuss codes in order to get billing info, and guiding principles for improving price information to consumers. Published 2015. This document was written before the “shoppable services” price transparency rule. HFMA has not yet updated their reports. Limited information on surprise medical bills and balance billing is also available. The “No Surprises Act” went into effect Jan. 1, 2022.