State guide · PA ·
Dispute a medical bill in Pennsylvania.
Pennsylvania gives you stronger protections than federal law alone. Audra audits your bill against Pennsylvania Surprise Balance Billing Protection Act (Act 146 of 2020), the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Pennsylvania Surprise Balance Billing Protection Act (Act 146 of 2020)
Cite: Act 146 of 2020
Pennsylvania Act 146 prohibits balance billing for emergency services and for care at an in-network facility by an out-of-network provider, mirroring and supplementing the federal No Surprises Act for state-regulated plans.
Your rights
What Pennsylvania protects you from.
- 01
No balance billing for emergency care or in-network facility care by out-of-network providers.
- 02
Provider and insurer must resolve payment disputes between themselves through PA Insurance Department arbitration.
- 03
Patients can opt to use an out-of-network provider only after receiving a written notice and consent (the federal NSA's surprise billing notice and consent form).
- 04
You can file a consumer complaint with the PA Insurance Department or the Attorney General Health Care Section.
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 Pennsylvania Surprise Balance Billing Protection Act (Act 146 of 2020), 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 PA 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 Pennsylvania provider.
Audra audits bills from every major hospital system in Pennsylvania, 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 PA Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Pennsylvania Attorney General — Bureau of Consumer Protection. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Pennsylvania Attorney General — Bureau of Consumer Protection
www.attorneygeneral.gov/submit-a-complaint/health-care-section/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.
Other states