AZ · last verified 2026-05-12
Arizona — NSA dispute pathway
Ground-ambulance balance-billing law
NO STATE LAW
—
State IDR pathway
[VERIFY PENDING]
Federal IDR (45 CFR §149.510)
ERISA self-funded plans
STATE DOI HAS NO JURISDICTION
Self-funded plans always route to Federal IDR + DOL/EBSA enforcement, regardless of state.
How Arizona fits the NSA picture
Arizona's SOONBDR program (ARS 20-3111 to 20-3119) covers OON emergency services and facility-based non-emergency, but ground ambulance is not within scope.
Free first step — CMS No Surprises Help Desk
The CMS-administered consumer complaint pathway. Free, federal, and the recommended first action for any balance-billed insured patient. You have 90 calendar days from when you knew or should have known of the NSA violation to file.