State guide · DE ·
Dispute a medical bill in Delaware.
Delaware gives you stronger protections than federal law alone. Audra audits your bill against Delaware Insurance Code + 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
Delaware Insurance Code + federal NSA
Cite: 18 Del. C. ch. 33 + federal NSA
Delaware relies primarily on the federal No Surprises Act, supplemented by Delaware Department of Insurance oversight of state-regulated plans.
Your rights
What Delaware protects you from.
- 01
Federal NSA: no balance billing for emergency + in-network-facility out-of-network services.
- 02
Delaware DOI handles complaints + state-regulated plan disputes at insurance.delaware.gov.
- 03
Hospitals must provide good-faith estimates under federal NSA implementing regulations.
- 04
Delaware Office of the Insurance Commissioner Consumer Services available for assistance.
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 Delaware Insurance Code + 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 DE 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 Delaware provider.
Audra audits bills from every major hospital system in Delaware, 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 DE Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Delaware Department of Justice — Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Delaware Department of Justice — Consumer Protection
attorneygeneral.delaware.gov/fraud/cpu/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.
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