State guide · NH ·
Dispute a medical bill in New Hampshire.
New Hampshire gives you stronger protections than federal law alone. Audra audits your bill against New Hampshire RSA 415-J (Surprise Billing protections), the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
New Hampshire RSA 415-J (Surprise Billing protections)
Cite: N.H. RSA 415-J
RSA 415-J prohibits balance billing for emergency services and out-of-network ancillary services at in-network facilities. The New Hampshire Insurance Department handles disputes.
Your rights
What New Hampshire protects you from.
- 01
In-network cost-sharing only for emergency care + unforeseen out-of-network ancillary services.
- 02
NH Insurance Department complaint portal at nh.gov/insurance.
- 03
Federal NSA applies to all federally-regulated self-insured plans + air ambulance.
- 04
Hospitals must inform patients of out-of-network provider status during scheduled care.
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 New Hampshire RSA 415-J (Surprise Billing protections), 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 NH 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 New Hampshire provider.
Audra audits bills from every major hospital system in New Hampshire, 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 NH Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the New Hampshire Department of Justice — Consumer Protection Bureau. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
New Hampshire Department of Justice — Consumer Protection Bureau
www.doj.nh.gov/consumer/complaints/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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