of a health plan or health insurance coverage offered by a health insurance issuer, if the provider reimburses such participant, beneficiary, or enrollee any amount for such an item or service that is more than the cost-sharing amount for such item or service (as determined in accordance with section 2719A(e)(1)(A)) not later than 30 days after the date the provider knew or should have known such excess payment was in violation of this subsection. (3) For purposes of this subsection, the terms nonparticipating provider and participating health care facility have such meanings given such terms under subsections (b)(2) and (e)(2), respectively, of section 2719A of the Public Health Service Act. . (e) Effective date The amendments made by this section shall apply with respect to plan years beginning on or after January 1, 2021. 3. Transparency regarding in-network and out-of-network deductibles (a) In general Subpart II of part A of title XXVII of the Public Health Service Act ( 42 U.S.C. 300gg et seq.) is amended by adding at the end the following: 2729A. Transparency regarding in-network and out-of-network deductibles (a) In general A group health plan or a health insurance issuer offering group or individual health insurance coverage and providing or covering any benefit with respect to items or services shall include, in clear writing, on any plan or insurance identification card issued to enrollees in the plan or coverage the amount of the in-network and out-of-network deductibles and the out-of-pocket maximum limitation that apply to such plan or coverage. (b) Guidance The Secretary, in consultation with the Secretary of Labor, shall issue guidance to implement subsection (a). . (b) Effective date The amendment made by subsection (a) shall apply with respect to plan years beginning on or after the date that is one year after the date of the enactment of this Act. 4. Transparency for in-network patients Subpart II of part A of title XXVII of the Public Health Service Act ( 42 U.S.C. 300gg et seq.), as amended