IL · last verified 2026-05-12
Illinois — NSA dispute pathway
Ground-ambulance balance-billing law
STATE LAW APPLIES
215 ILCS 5/356z.3a (Public Act 104-0248)
State IDR pathway
STATE IDR AVAILABLE
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 Illinois fits the NSA picture
Illinois Public Act 104-0248 (SB 2405) added consumer protection from surprise health-care billing for ground ambulance services. Effective 2025-07-01.
State DOI consumer-protection entry ↗Statute: 215 ILCS 5/356z.3a (Public Act 104-0248)
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.