IN · last verified 2026-05-12
Indiana — NSA dispute pathway
Ground-ambulance balance-billing law
STATE LAW APPLIES
Ind. Code 27-1-2.3 (HEA 1385, 2024)
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 Indiana fits the NSA picture
Indiana HEA 1385 (2024) prohibits balance-billing for out-of-network ambulance services; insurer reimbursement is the lesser of the locally-set rate or 400% of Medicare. Excludes Medicare, Medicaid, the state employee plan, and ERISA self-funded plans.
State DOI consumer-protection entry ↗Statute: Ind. Code 27-1-2.3 (HEA 1385, 2024)
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.