Consumer Protections
Medical Billing Protections in Colorado
In addition to federal protections like the No Surprises Act, Colorado has its own consumer protection laws that may apply to your medical billing dispute. Here is an overview of the protections available to you.
Key Facts: Colorado Medical Billing Protections
Dispute Window
180 days from Explanation of Benefits (EOB) for insurance appeals
Applicable Statute
Consumer Protections
Colorado has state-level surprise billing protections and a robust consumer complaint process through DORA
Surprise Billing Protection
Yes — state-level surprise billing law
Balance Billing Restrictions
Yes — state restrictions on balance billing
Key Consumer Protections in Colorado
- Colorado prohibits balance billing for emergency services by out-of-network providers.
- Insurers must cover emergency services at in-network cost-sharing levels.
- The federal No Surprises Act provides additional protections.
- Patients have the right to request an itemized bill from any healthcare provider.
- Colorado has a surprise billing arbitration process for disputed charges.
- Consumers can file complaints with the Colorado Division of Insurance (DORA).
Read the full statute: Colo. Rev. Stat. § 10-16-704.3
Disclaimer: This information is for general informational purposes only and does not constitute legal or professional advice. Laws and regulations may change. Consult a licensed attorney or certified medical billing advocate for advice specific to your situation.