State guide · MA ·
Dispute a medical bill in Massachusetts.
Massachusetts gives you stronger protections than federal law alone. Audra audits your bill against Massachusetts Out-of-Network Provider Bills (Chapter 260 of the Acts of 2020), the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Massachusetts Out-of-Network Provider Bills (Chapter 260 of the Acts of 2020)
Cite: M.G.L. c. 176O § 28 (Ch. 260 of 2020)
Chapter 260 prohibits balance billing for emergency services + non-emergency care at in-network facilities and requires good-faith estimates for non-emergency services. The Division of Insurance handles disputes.
Your rights
What Massachusetts protects you from.
- 01
No balance billing for emergency care or care from out-of-network providers at in-network facilities.
- 02
Hospitals + providers must issue good-faith estimates at least 7 days before scheduled non-emergency services upon request.
- 03
You can file a complaint with the Massachusetts Division of Insurance Consumer Service Section.
- 04
Medical debt under $500 cannot be reported to credit bureaus per state policy guidance.
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 Massachusetts Out-of-Network Provider Bills (Chapter 260 of the Acts of 2020), 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 MA 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 Massachusetts provider.
Audra audits bills from every major hospital system in Massachusetts, 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 MA Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Massachusetts Attorney General — Consumer Advocacy & Response Division. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Massachusetts Attorney General — Consumer Advocacy & Response Division
www.mass.gov/how-to/file-a-consumer-complaintStop 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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