Surprise Out-of-network Bill Dispute Resolution



STEP 1: Review information on the Department's website ( and confer with your health insurer to determine whether your healthcare bill qualifies as a surprise bill that is eligible for the dispute resolution process.  

STEP 2:  Scan and save to your computer:

Your insurance card, front and back

Correspondence (letters, memos, bills, etc.) between you, the provider, and the insurer relating to this bill

Other information that will help explain this matter

STEP 3:  Use the online Surprise Bill portal link below (link is external) to submit your request to the Department:  

*IMPORTANT: The portal only allows one opportunity to attach documents, so it is important that you complete STEP 2 first so that all your documents can be uploaded.  The portal will transfer your documents to us in a secure, encrypted manner.  

If you were unable to attach all related documents, do NOT submit a new request.  You may email additional documents to [email protected].  Please make sure to reference your Dispute number. 


Warning - Phishing Scam

We are aware of a phishing scam targeting insurance professionals claiming that the National Association of Insurance Commissioners received a complaint that the professional submitted a falsified claim. This fraudulent email displays the NAIC and CIPR logos, can originate from what appears to be an or email account, and instructs the recipient to click on a link to download the complaint notification.

Certain antivirus products will detect this as a malicious email.  If you receive a similar email and have any concerns, contact the NAIC Service Desk at (816) 783-8500 or [email protected].