FL · last verified 2026-05-12
Florida — NSA dispute pathway
Ground-ambulance balance-billing law
NO STATE LAW
—
State IDR pathway
FEDERAL IDR ONLY
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 Florida fits the NSA picture
Florida does not have a state ground-ambulance balance-billing law in force. State-regulated plans rely on Federal IDR for NSA-covered services.
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.