Consumer Protections
Medical Billing Protections in Hawaii
In addition to federal protections like the No Surprises Act, Hawaii 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: Hawaii Medical Billing Protections
Dispute Window
180 days from Explanation of Benefits (EOB)
Applicable Statute
Consumer Protections
Consumers may file complaints with the Hawaii Insurance Division; Prepaid Health Care Act provides additional protections
Surprise Billing Protection
Federal No Surprises Act applies
Balance Billing Restrictions
Federal protections only
Key Consumer Protections in Hawaii
- The federal No Surprises Act protects patients from surprise out-of-network bills for emergency services.
- Hawaii's Prepaid Health Care Act requires most employers to provide health insurance.
- Patients have the right to request an itemized bill from any healthcare provider.
- Hawaii requires insurers to process clean claims promptly.
- Consumers can file complaints with the Hawaii Insurance Division.
Read the full statute: Haw. Rev. Stat. § 431
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.