State guide · IN ·
Dispute a medical bill in Indiana.
Indiana gives you stronger protections than federal law alone. Audra audits your bill against Indiana HEA 1004 (2020) + 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
Indiana HEA 1004 (2020) + federal NSA
Cite: Ind. Code § 27-1-37.5 + federal NSA
HEA 1004 limits balance billing for emergency services and out-of-network providers at in-network facilities, layered with the federal No Surprises Act. The Indiana Department of Insurance handles disputes.
Your rights
What Indiana protects you from.
- 01
In-network cost-sharing for emergency + non-emergency in-network-facility out-of-network services.
- 02
IDOI complaint portal at in.gov/idoi.
- 03
Federal NSA covers self-insured plan members and air ambulance.
- 04
Hospitals must give good-faith estimates per federal NSA + Indiana transparency rules.
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 Indiana HEA 1004 (2020) + 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 IN 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 Indiana provider.
Audra audits bills from every major hospital system in Indiana, 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 IN Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Indiana Attorney General — Consumer Protection Division. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Indiana Attorney General — Consumer Protection Division
www.in.gov/attorneygeneral/consumer-protection-division/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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