State guide · NJ ·
Dispute a medical bill in New Jersey.
New Jersey gives you stronger protections than federal law alone. Audra audits your bill against New Jersey Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act, 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 Jersey Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act
Cite: P.L. 2018, c.32 (N.J.S.A. 26:2SS-1 et seq.)
New Jersey's 2018 OONCPA was one of the strongest pre-NSA state laws. It bans balance billing for emergency and inadvertent out-of-network care and routes disputes to arbitration administered by the Department of Banking and Insurance.
Your rights
What New Jersey protects you from.
- 01
Patients pay only in-network cost-sharing for emergency services and inadvertent out-of-network care at in-network facilities.
- 02
Binding arbitration between insurer and provider — the patient is removed from the dispute.
- 03
Hospitals must disclose in-network status of facility-based providers (anesthesiology, radiology, pathology) before scheduled care.
- 04
Out-of-network providers must give written disclosures + cost estimates for elective procedures.
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 Jersey Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act, 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 NJ 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 Jersey provider.
Audra audits bills from every major hospital system in New Jersey, 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 NJ Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the New Jersey Division of Consumer Affairs. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
New Jersey Division of Consumer Affairs
www.njconsumeraffairs.gov/Pages/Consumer-Complaints.aspxStop 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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