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
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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.
Content last reviewed: March 2026.