Balance Billing Laws in New Hampshire
Your medical billing rights and protections in New Hampshire.
New Hampshire enacted HB 1285 (2018) prohibiting surprise billing for emergency services and for non-emergency services at in-network facilities when patients have no meaningful choice of provider. The law requires insurers and providers to resolve payment disputes directly, protecting patients from balance billing.
Key Protections in New Hampshire
Emergency services: Balance billing prohibited for emergency care; patients pay only in-network cost-sharing
Non-emergency care at in-network facilities: Protected from balance billing when patient had no meaningful choice of out-of-network provider
Dispute resolution: New Hampshire Insurance Department oversees a dispute resolution process
Notice requirements: Out-of-network providers must disclose their status and estimated costs before non-emergency services
Filing Information
Within 1 year of receiving the bill for state-level complaints
Additional Notes
New Hampshire enacted balance billing protections before the federal law. The state law applies to fully insured plans; self-funded ERISA plans fall under the federal No Surprises Act.
How to File a Complaint in New Hampshire
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 New Hampshire Insurance Department. Include all supporting documents and a clear description of the billing dispute.
File complaint with New Hampshire Insurance DepartmentFile 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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