State guide · NM ·
Dispute a medical bill in New Mexico.
New Mexico gives you stronger protections than federal law alone. Audra audits your bill against New Mexico Surprise Billing Protection Act (2019), 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 Mexico Surprise Billing Protection Act (2019)
Cite: N.M. Stat. Ann. § 59A-57-1 et seq.
New Mexico's Surprise Billing Protection Act (2019) prohibits balance billing for emergency services and out-of-network providers at in-network facilities. The Office of the Superintendent of Insurance enforces.
Your rights
What New Mexico protects you from.
- 01
In-network cost-sharing for emergency + in-network-facility out-of-network services.
- 02
OSI complaint portal at osi.state.nm.us.
- 03
Federal NSA layers additional protection for self-insured plans + air ambulance.
- 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 New Mexico Surprise Billing Protection Act (2019), 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 NM 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 Mexico provider.
Audra audits bills from every major hospital system in New Mexico, 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 NM Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the New Mexico Attorney General — Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
New Mexico Attorney General — Consumer Protection
www.nmag.gov/consumer-protection/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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