State guide · ME ·
Dispute a medical bill in Maine.
Maine gives you stronger protections than federal law alone. Audra audits your bill against Maine Out-of-Network Surprise Bills (LD 2105 of 2019), the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Maine Out-of-Network Surprise Bills (LD 2105 of 2019)
Cite: 24-A M.R.S. § 4303-D
LD 2105 (Public Law 2019, c. 668) prohibits balance billing for emergency services and unanticipated out-of-network care at in-network facilities. The Bureau of Insurance reviews disputes.
Your rights
What Maine protects you from.
- 01
No balance billing for emergency care or surprise out-of-network bills at in-network facilities.
- 02
Maine Bureau of Insurance complaint process for surprise billing disputes.
- 03
Federal NSA layers additional protection for self-insured plan members.
- 04
Medical debt protections under Maine FCRA equivalents.
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 Maine Out-of-Network Surprise Bills (LD 2105 of 2019), 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 ME 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 Maine provider.
Audra audits bills from every major hospital system in Maine, 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 ME Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Maine Attorney General — Consumer Protection Division. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Maine Attorney General — Consumer Protection Division
www.maine.gov/ag/consumer/index.shtmlStop 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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