Key Facts: North Dakota Medical Billing Protections
Dispute Window
180 days from Explanation of Benefits (EOB)
Applicable Statute
Consumer Protections
Consumers may file complaints with the North Dakota Insurance Department for unfair billing practices
Surprise Billing Protection
Federal No Surprises Act applies
Balance Billing Restrictions
Federal protections only
Key Consumer Protections in North Dakota
- The federal No Surprises Act protects patients from surprise out-of-network bills for emergency services.
- North Dakota does not have a comprehensive state-level surprise billing law; federal protections apply.
- Patients have the right to request an itemized bill from any healthcare provider.
- North Dakota law requires insurers to process claims in a timely manner.
- Consumers can file complaints with the North Dakota Insurance Department.
Read the full statute: N.D. Cent. Code § 26.1-36
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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.