Balance Billing Laws in Indiana
Your medical billing rights and protections in Indiana.
Indiana enacted IC 27-8-11.7 (effective July 1, 2020) prohibiting surprise billing for emergency services. The law requires that health plans cover emergency services at in-network cost-sharing levels regardless of whether the provider is in-network, and prohibits providers from balance billing patients for emergency care.
Key Protections in Indiana
Emergency services: IC 27-8-11.7 prohibits balance billing for emergency services; patients pay only their in-network cost-sharing
Health plan coverage requirement: Plans must cover out-of-network emergency services at in-network rates
Non-emergency services: Federal No Surprises Act provides additional protections for non-emergency out-of-network care at in-network facilities
Filing Information
Within 2 years of the date of service for state-level complaints
Additional Notes
Indiana's state law primarily covers emergency services. The federal No Surprises Act provides broader protections including non-emergency situations at in-network facilities.
How to File a Complaint in Indiana
Gather Your Documentation
Collect your itemized medical bill, Explanation of Benefits (EOB) from your insurer, any prior authorization documents, and written communications with the provider or insurance company.
File with the State Regulator
Submit your complaint to the Indiana Department of Insurance. Include all supporting documents and a clear description of the billing dispute.
File complaint with Indiana Department of InsuranceFile with CMS if Federal Protections Apply
If your dispute involves the No Surprises Act (emergency care or out-of-network providers at in-network facilities), you can also file directly with the Centers for Medicare & Medicaid Services.
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