State guide · MD ·
Dispute a medical bill in Maryland.
Maryland gives you stronger protections than federal law alone. Audra audits your bill against Maryland Insurance Article + Health-General Article (HB 1086 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
Maryland Insurance Article + Health-General Article (HB 1086 of 2019)
Cite: Md. Code, Ins. § 14-205.2 + Health-Gen. § 19-2-908
Maryland's unique all-payer hospital rate-setting system (HSCRC) combined with state surprise-billing rules limits balance billing for emergency and certain non-emergency services. The federal NSA provides additional protections.
Your rights
What Maryland protects you from.
- 01
HSCRC rate-setting caps hospital charges — providers cannot charge above the regulated rate.
- 02
Emergency services + ancillary out-of-network providers at in-network hospitals are limited to in-network cost-sharing.
- 03
Maryland Insurance Administration handles complaints + IDR for state-regulated plans.
- 04
Hospitals must offer financial assistance per Health-Gen. § 19-214.1 if you meet income thresholds.
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 Maryland Insurance Article + Health-General Article (HB 1086 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 MD 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 Maryland provider.
Audra audits bills from every major hospital system in Maryland, 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 MD Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Maryland Attorney General — Consumer Protection Division. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Maryland Attorney General — Consumer Protection Division
www.marylandattorneygeneral.gov/Pages/CPD/complaint.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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