State guide · CO ·
Dispute a medical bill in Colorado.
Colorado gives you stronger protections than federal law alone. Audra audits your bill against Colorado Out-of-Network Health Care Services Act (HB 19-1174), the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Colorado Out-of-Network Health Care Services Act (HB 19-1174)
Cite: C.R.S. § 10-16-704 (HB 19-1174)
Colorado HB 19-1174 prohibits balance billing for emergency services and out-of-network providers at in-network facilities. The Division of Insurance administers arbitration between insurer and provider.
Your rights
What Colorado protects you from.
- 01
In-network cost-sharing for emergency + in-network-facility out-of-network services.
- 02
Colorado Division of Insurance arbitration process; patient is not a party.
- 03
Federal NSA extends to self-insured plans + air ambulance.
- 04
Hospitals must give good-faith estimates per federal NSA + Colorado Hospital Transparency Act.
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 Colorado Out-of-Network Health Care Services Act (HB 19-1174), 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 CO 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 Colorado provider.
Audra audits bills from every major hospital system in Colorado, 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 CO Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Colorado Attorney General — Consumer Protection Section. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Colorado Attorney General — Consumer Protection Section
coag.gov/file-complaint/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.
Other states