State guide · MI ·
Dispute a medical bill in Michigan.
Michigan gives you stronger protections than federal law alone. Audra audits your bill against Michigan Surprise Medical Billing Act (Public Act 234 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
Michigan Surprise Medical Billing Act (Public Act 234 of 2020)
Cite: PA 234 of 2020 (MCL 550.3603)
Michigan PA 234 prohibits balance billing for emergency services and for non-emergency services at in-network facilities provided by out-of-network providers. The Department of Insurance and Financial Services (DIFS) runs the dispute resolution process.
Your rights
What Michigan protects you from.
- 01
Patients pay only in-network cost-sharing for emergency care and unanticipated out-of-network ancillary services at in-network facilities.
- 02
DIFS administers binding arbitration between insurer and provider; the patient is not a party.
- 03
Providers may not refer disputed balances to collections during the dispute resolution period.
- 04
Hospitals must give a good-faith estimate at least 14 days before scheduled non-emergency care upon request.
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 Michigan Surprise Medical Billing Act (Public Act 234 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 MI 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 Michigan provider.
Audra audits bills from every major hospital system in Michigan, 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 MI Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Michigan Attorney General — Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Michigan Attorney General — Consumer Protection
www.michigan.gov/ag/consumer-protection/complaintsStop 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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