Colorado Billing Rights
Additional State-Law Protections for Patients with State-Regulated Health Plans
- Ambulance Information: Balance billing claims related to services provided by air ambulances are governed by federal law. Services provided by ground ambulances are regulated by Colorado state law and do not allow private companies to balance bill. However, you may be balance billed for emergency services you receive if the ambulance service provider is a publicly funded fire agency or if the ambulance services are for a non-emergency, such as ambulance transport between hospitals, that is not a post-stabilization service.
- Transferring Enrollees: Starting in 2025, Colorado Law will also prohibit providers and facilities from balance billing “transferring enrollees” for certain services until the earlier of the end of the current episode of treatment or until ninety days after the enrollee is covered by a new health benefit plan. “Transferring enrollees” include individuals:
- previously enrolled in Medicaid or the Children’s Basic Health Plan but that are no longer eligible for benefits; or
- enrolled in a new health plan when their prior health benefit plan coverage has not been renewed because the carrier no longer offers any health benefit plans that the individual is eligible for and if the individual is:
- undergoing a course of treatment for a serious and complex medical condition that is treated by the provider or facility;
- undergoing a course of inpatient care provided by the provider or facility;
- pregnant and undergoing a course of treatment for the pregnancy provided by the provider or facility;
- terminally ill and is receiving treatment for the illness from the provider or facility; or
- scheduled to undergo nonelective surgery from the provider or facility, including the receipt of postoperative care from the provider or facility with respect to the surgery.
Filing a Complaint
If you believe you’ve been wrongly billed, please contact your insurance company at the number on your ID card, or the Division of Insurance at 303-894-7490, 800-930-3745, or DORA_Insurance@state.co.us.
State Agency Contact Information
Colorado Division of Insurance
Phone: 303-894-7490, 800-930-3745
Website: doi.colorado.gov/insurance-products/health-insurance/health-insurance-initiatives/federal-no-surprises-act/colorado
Additional Information
Visit DOI Out-of-Network website at doi.colorado.gov/insurance-products/health-insurance/health-insurance-initiatives/federal-no-surprises-act/colorado for more information about your rights under Colorado state law.
Visit www.cms.gov/nosurprises/consumers or call 800-985-3059 for more information about your rights under federal law.