State guide · NY ·
Dispute a medical bill in New York.
New York gives you stronger protections than federal law alone. Audra audits your bill against New York Surprise Bill Law (Financial Services Law Article 6), the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
“About 17% of New Yorkers have medical debt on their credit report, per Urban Institute data.”
The law
New York Surprise Bill Law (Financial Services Law Article 6)
Cite: FSL §§ 603-608
New York's Surprise Bill Law predates the federal No Surprises Act and remains in force where it provides stronger protection. It covers emergency services, services at in-network facilities by out-of-network physicians, and referrals to out-of-network specialists when no in-network option was offered.
Your rights
What New York protects you from.
- 01
You only pay in-network cost-sharing for any "surprise bill" — defined broadly to include any out-of-network charge you did not knowingly choose.
- 02
You can sign an Assignment of Benefits form to push the dispute directly to your insurer and provider, removing yourself from the middle.
- 03
New York Department of Financial Services administers an independent dispute resolution (IDR) process — you can submit a complaint at dfs.ny.gov.
- 04
Hospitals must provide itemized bills on request and cannot send bills to collections during an active dispute.
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 York Surprise Bill Law (Financial Services Law Article 6), 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 NY 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 York provider.
Audra audits bills from every major hospital system in New York, 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 NY Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the New York Attorney General. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
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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