State guide · RI ·
Dispute a medical bill in Rhode Island.
Rhode Island gives you stronger protections than federal law alone. Audra audits your bill against Rhode Island Health Insurance Surprise Billing protections, the federal No Surprises Act, and your insurer's contracted rates — then drafts a ready-to-send appeal letter in 60 seconds.
The law
Rhode Island Health Insurance Surprise Billing protections
Cite: R.I. Gen. Laws § 27-18 + federal NSA
Rhode Island relies primarily on the federal No Surprises Act, layered with state insurance regulations on out-of-network billing transparency. The Office of Health Insurance Commissioner reviews disputes.
Your rights
What Rhode Island protects you from.
- 01
Federal NSA: no balance billing for emergency services + non-emergency services at in-network facilities.
- 02
Rhode Island OHIC reviews complaints about insurer behavior on out-of-network claims.
- 03
Hospitals must give good-faith estimates per federal regulation (45 CFR 149.610).
- 04
Medical debt under $1,000 receives state protections from aggressive collection.
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 Rhode Island Health Insurance Surprise Billing protections, 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 RI 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 Rhode Island provider.
Audra audits bills from every major hospital system in Rhode Island, 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 RI Attorney General.
If your appeal letter doesn't resolve the bill within 30 days, escalate to the Rhode Island Attorney General — Consumer Protection Unit. They have authority to investigate billing complaints and, in some cases, subpoena provider records.
Official complaint portal
Rhode Island Attorney General — Consumer Protection Unit
riag.ri.gov/consumer-protectionStop 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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