Medical Billing Protections by State

Consumers may file complaints with the Alabama Department of Insurance for unfair billing practices

Consumers may file complaints with the Alaska Division of Insurance for unfair billing practices

Arizona has state-level surprise billing protections that complement the federal No Surprises Act

Consumers may file complaints with the Arkansas Insurance Department for unfair billing practices

California has robust consumer protections including AB 72 surprise billing law and an independent medical review process

Colorado has state-level surprise billing protections and a robust consumer complaint process through DORA

Connecticut has state-level surprise billing protections for emergency services

Consumers may file complaints with the Delaware Department of Insurance for unfair billing practices

DC has surprise billing protections and an external review process for denied claims

Florida has state-level surprise billing protections for emergency and certain non-emergency services

Georgia's Surprise Billing Consumer Protection Act provides state-level surprise billing protections

Consumers may file complaints with the Hawaii Insurance Division; Prepaid Health Care Act provides additional protections

Consumers may file complaints with the Idaho Department of Insurance for unfair billing practices

Illinois has state-level surprise billing protections and an external review process for denied claims

Consumers may file complaints with the Indiana Department of Insurance for unfair billing practices

Consumers may file complaints with the Iowa Insurance Division; state has external review process

Consumers may file complaints with the Kansas Insurance Department for unfair billing practices

Consumers may file complaints with the Kentucky Department of Insurance for unfair billing practices

Consumers may file complaints with the Louisiana Department of Insurance for unfair billing practices

Maine has state-level surprise billing protections for emergency services

Maryland has unique hospital rate-setting (HSCRC) and state-level surprise billing protections

Massachusetts has strong consumer protections including surprise billing restrictions and external review

Consumers may file complaints with DIFS; surprise billing protections for auto-related medical care

Minnesota has state-level surprise billing protections for emergency services

Consumers may file complaints with the Mississippi Insurance Department for unfair billing practices

Missouri has some surprise billing protections and consumers can file complaints with DIFP

Consumers may file complaints with the Montana Commissioner of Securities and Insurance

Consumers may file complaints with the Nebraska Department of Insurance for unfair billing practices

Nevada has state-level surprise billing protections for emergency services

New Hampshire has state-level surprise billing protections for emergency services

New Jersey's Out-of-Network Consumer Protection Act provides comprehensive surprise billing protections

New Mexico has state-level surprise billing protections for emergency services

New York's Surprise Bills Law (2015) was one of the first comprehensive state surprise billing protections in the nation

Consumers may file complaints with the North Carolina Department of Insurance for unfair billing practices

Consumers may file complaints with the North Dakota Insurance Department for unfair billing practices

Ohio has state-level surprise billing protections for emergency services

Consumers may file complaints with the Oklahoma Insurance Department for unfair billing practices

Oregon has state-level surprise billing protections for emergency services

Consumers may file complaints with the Pennsylvania Insurance Department for unfair billing practices

Rhode Island has state-level surprise billing protections for emergency services

Consumers may file complaints with the South Carolina Department of Insurance for unfair billing practices

Consumers may file complaints with the South Dakota Division of Insurance for unfair billing practices

Consumers may file complaints with the Tennessee Department of Commerce and Insurance

Texas SB 1264 provides strong surprise billing protections with mandatory mediation and arbitration

Consumers may file complaints with the Utah Insurance Department for unfair billing practices

Vermont has state-level surprise billing protections and an external review process for denied claims

Virginia has state-level surprise billing protections for emergency and certain non-emergency services

Washington's Balance Billing Protection Act (2019) provides comprehensive surprise billing protections

Consumers may file complaints with the West Virginia Offices of the Insurance Commissioner

Wisconsin has partial surprise billing protections; consumers can file complaints with OCI

Consumers may file complaints with the Wyoming Department of Insurance for unfair billing practices