State guide · MO ·
Dispute a medical bill in Missouri.
Missouri gives you stronger protections than federal law alone. Audra audits your bill against Missouri Out-of-Network Coverage (SB 982 of 2018) + 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
Missouri Out-of-Network Coverage (SB 982 of 2018) + federal NSA
Cite: Mo. Rev. Stat. § 376.690 + federal NSA
Missouri SB 982 prohibits balance billing for emergency services on state-regulated plans, complemented by the federal No Surprises Act. The Department of Commerce & Insurance enforces.
Your rights
What Missouri protects you from.
- 01
State law: no balance billing for emergency care on state-regulated PPOs / HMOs.
- 02
Federal NSA: extends protection to non-emergency in-network-facility out-of-network care.
- 03
Missouri DCI complaint portal at insurance.mo.gov.
- 04
Hospitals must give good-faith estimates per federal NSA.
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 Missouri Out-of-Network Coverage (SB 982 of 2018) + 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 MO 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 Missouri provider.
Audra audits bills from every major hospital system in Missouri, 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 MO Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Missouri Attorney General — Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Missouri Attorney General — Consumer Protection
ago.mo.gov/file-a-complaint/consumer-complaint/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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