State guide · OH ·
Dispute a medical bill in Ohio.
Ohio gives you stronger protections than federal law alone. Audra audits your bill against Ohio Substitute House Bill 388 (Surprise Billing Statute, R.C. § 3902.50-.54), the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Ohio Substitute House Bill 388 (Surprise Billing Statute, R.C. § 3902.50-.54)
Cite: HB 388 / R.C. § 3902.50
Ohio HB 388 prohibits balance billing for emergency services and for services delivered at an in-network facility by an out-of-network provider, and establishes a binding arbitration process between insurers and providers.
Your rights
What Ohio protects you from.
- 01
Patients owe only in-network cost-sharing for emergency care and unanticipated out-of-network care at in-network facilities.
- 02
Insurer and provider settle payment through arbitration administered by the Ohio Department of Insurance — patients are not part of the dispute.
- 03
A 30-day "cool-off" period during which providers cannot send disputed bills to collections.
- 04
Hospitals must provide a good-faith estimate at least 24 hours before non-emergency services on request.
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 Ohio Substitute House Bill 388 (Surprise Billing Statute, R.C. § 3902.50-.54), 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 OH 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 Ohio provider.
Audra audits bills from every major hospital system in Ohio, 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 OH Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Ohio Attorney General. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Ohio Attorney General
www.ohioattorneygeneral.gov/About-AG/Contact/Consumer-ComplaintStop 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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