State guide · AZ ·
Dispute a medical bill in Arizona.
Arizona gives you stronger protections than federal law alone. Audra audits your bill against Arizona Surprise Billing protections (HB 2113 of 2017) + federal NSA, the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Arizona Surprise Billing protections (HB 2113 of 2017) + federal NSA
Cite: A.R.S. § 20-3111 + federal NSA
Arizona HB 2113 provides arbitration for surprise out-of-network bills above a threshold, layered with the federal No Surprises Act. The Arizona Department of Insurance & Financial Institutions administers disputes.
Your rights
What Arizona protects you from.
- 01
State arbitration available for surprise bills above the threshold ($1,000+).
- 02
Federal NSA: in-network cost-sharing for emergency + in-network-facility out-of-network services.
- 03
DIFI complaint portal at difi.az.gov.
- 04
Hospitals must give good-faith estimates per federal NSA.
How Audra helps
From upload to appeal in 60 seconds.
01
Upload your bill
Drop a PDF, photo, or EOB into Audra. Encrypted in your browser before it leaves your device.
02
We check it against the law
Audra cross-references every line item against Arizona Surprise Billing protections (HB 2113 of 2017) + federal NSA, the federal No Surprises Act, your insurer's contracted rates, and CMS billing rules.
03
Get a ready-to-send appeal
We draft a letter citing the specific AZ statute and any federal protections that apply, formatted for your insurer and provider. Print it, email it, or send it from inside Audra.
In-state coverage
Works for bills from any Arizona provider.
Audra audits bills from every major hospital system in Arizona, including:
If your bill comes from an out-of-state provider, Audra still works — federal protections apply nationwide.
If the provider won't budge
File a complaint with the AZ Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Arizona Attorney General — Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Arizona Attorney General — Consumer Protection
www.azag.gov/consumer/complaintsStop paying what you don't owe.
Your first audit is free. After that, $30 per bill, or $15/mo for up to 25 audits/month.
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