State guide · KY ·
Dispute a medical bill in Kentucky.
Kentucky gives you stronger protections than federal law alone. Audra audits your bill against Federal No Surprises Act + Kentucky Department of Insurance rules, the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Federal No Surprises Act + Kentucky Department of Insurance rules
Cite: KRS Chapter 304 + federal NSA
Kentucky primarily relies on the federal No Surprises Act, supplemented by state insurance regulations on out-of-network billing for state-regulated plans.
Your rights
What Kentucky protects you from.
- 01
Federal NSA: no balance billing for emergency + in-network-facility out-of-network services.
- 02
Kentucky DOI complaint process at insurance.ky.gov.
- 03
Good-faith estimate requirement under federal NSA implementing regulation.
- 04
Air ambulance protections fully under federal NSA.
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 Federal No Surprises Act + Kentucky Department of Insurance rules, 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 KY 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 Kentucky provider.
Audra audits bills from every major hospital system in Kentucky, 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 KY Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Kentucky Attorney General — Office of Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Kentucky Attorney General — Office of Consumer Protection
www.ag.ky.gov/Resources/Consumer-Resources/Pages/default.aspxStop 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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