State guide · ND ·
Dispute a medical bill in North Dakota.
North Dakota gives you stronger protections than federal law alone. Audra audits your bill against Federal No Surprises Act + North Dakota Insurance Department, the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Federal No Surprises Act + North Dakota Insurance Department
Cite: N.D. Cent. Code ch. 26.1 + federal NSA
North Dakota relies primarily on the federal No Surprises Act, with state-regulated plan oversight by the ND Insurance Department.
Your rights
What North Dakota protects you from.
- 01
Federal NSA: in-network cost-sharing for emergency + in-network-facility out-of-network services.
- 02
North Dakota Insurance Department complaint portal at insurance.nd.gov.
- 03
Federal good-faith estimate requirement applies.
- 04
North Dakota Hospital Association charity-care standards apply at major systems.
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 Federal No Surprises Act + North Dakota Insurance Department, 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 ND 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 North Dakota provider.
Audra audits bills from every major hospital system in North Dakota, 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 ND Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the North Dakota Attorney General — Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
North Dakota Attorney General — Consumer Protection
attorneygeneral.nd.gov/consumer-resources/consumer-complaintsStop 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.
Other states