North Carolina has limited state balance-billing protections and no comprehensive surprise-billing arbitration program of the kind Texas, New York or Virginia operate. For services covered by the No Surprises Act, out-of-network payment disputes generally run through the federal IDR process regardless of whether the plan is fully insured or self-funded.
We confirm state law status and plan type before filing.
Send 90 days of out-of-network remits. We'll tell you claim by claim: federal IDR, state process, or not disputable — plus what comparable disputes have paid.
Free claims reviewSend us a sample of recent OON remits. We'll tell you which claims are IDR-eligible, what similar disputes have paid, and what we'd file. No fee unless we win you more.
Request a free eligibility review