State guide · FL ·
Dispute a medical bill in Florida.
Florida gives you stronger protections than federal law alone. Audra audits your bill against Florida HB 221 (2016), the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Florida HB 221 (2016)
Cite: HB 221 (Fla. Stat. § 627.64194)
Florida HB 221 protects PPO and EPO members from balance billing for emergency care and for non-emergency care at in-network facilities. The protection applies regardless of whether the patient knew the treating provider was out-of-network.
Your rights
What Florida protects you from.
- 01
Out-of-network providers at in-network facilities must accept the in-network rate for emergency and certain non-emergency services.
- 02
Florida Office of Insurance Regulation administers a dispute resolution program when the insurer and provider disagree on payment.
- 03
You can complain to the Florida Department of Financial Services (Division of Consumer Services) if you receive a surprise bill.
- 04
Hospitals must provide a written good-faith estimate at least 7 business days before non-emergency admission upon request.
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 Florida HB 221 (2016), 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 FL 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 Florida provider.
Audra audits bills from every major hospital system in Florida, 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 FL Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Florida Attorney General. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Florida Attorney General
www.myfloridalegal.com/consumer-protection/file-complaintStop 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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