State guide · AR ·
Dispute a medical bill in Arkansas.
Arkansas gives you stronger protections than federal law alone. Audra audits your bill against Arkansas Surprise Billing protections + 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
Arkansas Surprise Billing protections + federal NSA
Cite: Ark. Code § 23-99-1101 + federal NSA
Arkansas Act 1041 of 2015 prohibits balance billing for emergency services, complemented by the federal No Surprises Act. The Arkansas Insurance Department oversees disputes for state-regulated plans.
Your rights
What Arkansas protects you from.
- 01
In-network cost-sharing for emergency care under state law + federal NSA.
- 02
Federal NSA extends protection to non-emergency out-of-network services at in-network facilities.
- 03
Arkansas Insurance Department complaint portal at insurance.arkansas.gov.
- 04
Hospitals must give federal-NSA-compliant good-faith estimates.
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 Arkansas Surprise Billing protections + 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 AR 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 Arkansas provider.
Audra audits bills from every major hospital system in Arkansas, 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 AR Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Arkansas Attorney General — Consumer Protection Division. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Arkansas Attorney General — Consumer Protection Division
arkansasag.gov/consumer-protection/Stop 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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