State guide · MN ·
Dispute a medical bill in Minnesota.
Minnesota gives you stronger protections than federal law alone. Audra audits your bill against Minnesota Surprise Billing Law (Minn. Stat. § 62Q.55) + federal NSA, the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Minnesota Surprise Billing Law (Minn. Stat. § 62Q.55) + federal NSA
Cite: Minn. Stat. § 62Q.55 + federal NSA
Minnesota § 62Q.55 (enhanced by 2020 amendments) prohibits balance billing for emergency services and out-of-network providers at in-network facilities. The Department of Commerce regulates state-licensed plans.
Your rights
What Minnesota protects you from.
- 01
No balance billing for emergency care + ancillary out-of-network providers at in-network facilities.
- 02
Minnesota Department of Commerce complaint process at mn.gov/commerce.
- 03
Federal NSA extends to self-insured plans + air ambulance.
- 04
Minnesota Hospital Association charity-care minimum standards apply at most major systems.
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 Minnesota Surprise Billing Law (Minn. Stat. § 62Q.55) + federal NSA, 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 MN 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 Minnesota provider.
Audra audits bills from every major hospital system in Minnesota, 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 MN Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Minnesota Attorney General — Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Minnesota Attorney General — Consumer Protection
www.ag.state.mn.us/Office/Forms/Stop 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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