Consumer Protections
Medical Billing Protections in New Jersey
In addition to federal protections like the No Surprises Act, New Jersey 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: New Jersey Medical Billing Protections
Dispute Window
180 days from Explanation of Benefits (EOB)
Applicable Statute
Consumer Protections
New Jersey's Out-of-Network Consumer Protection Act provides comprehensive surprise billing protections
Surprise Billing Protection
Yes — state-level surprise billing law
Balance Billing Restrictions
Yes — state restrictions on balance billing
Key Consumer Protections in New Jersey
- New Jersey's Out-of-Network Consumer Protection Act (2018) provides strong balance billing protections.
- Patients cannot be balance billed for emergency services by out-of-network providers.
- Non-emergency services at in-network facilities are also protected.
- An arbitration process resolves payment disputes between insurers and providers.
- Patients have the right to request an itemized bill from any healthcare provider.
- Consumers can file complaints with the New Jersey Department of Banking and Insurance.
Read the full statute: N.J. Stat. § 26:2SS-1 (Out-of-Network Consumer Protection Act)
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.