State guide · IL ·
Dispute a medical bill in Illinois.
Illinois gives you stronger protections than federal law alone. Audra audits your bill against Illinois Consumer Coverage Disclosure Act + Network Adequacy & Transparency Act, the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Illinois Consumer Coverage Disclosure Act + Network Adequacy & Transparency Act
Cite: 215 ILCS 124, 215 ILCS 134
Illinois law combines network-adequacy rules (insurers must maintain enough in-network providers within reasonable distance) with surprise-billing protections that prohibit balance billing for in-network facility care provided by out-of-network providers.
Your rights
What Illinois protects you from.
- 01
Patients pay only in-network cost-sharing for emergency services and for ancillary services (anesthesia, pathology, radiology, lab) at in-network facilities.
- 02
Illinois Department of Insurance handles complaints and operates a hotline for surprise-billing disputes.
- 03
Network adequacy: if no in-network provider is within reasonable distance, services from an out-of-network provider must be billed at in-network rates.
- 04
You can file complaints with the Attorney General Health Care Bureau which has subpoena power over hospitals.
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 Illinois Consumer Coverage Disclosure Act + Network Adequacy & Transparency Act, 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 IL 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 Illinois provider.
Audra audits bills from every major hospital system in Illinois, 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 IL Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Illinois Attorney General — Health Care Bureau. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Illinois Attorney General — Health Care Bureau
illinoisattorneygeneral.gov/Page-Not-Found/file-a-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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