KY · last verified 2026-05-12
Kentucky — NSA dispute pathway
Ground-ambulance balance-billing law
STATE LAW APPLIES
KRS Ch. 304 Subtitle 17A (HB 245, 2025 RS)
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 Kentucky fits the NSA picture
Kentucky HB 245 (2025 RS) prohibits balance-billing for out-of-network ground ambulance. Reimbursement set at local rate or up to 400% of Medicare. Effective 2026-01-01.
State DOI consumer-protection entry ↗Statute: KRS Ch. 304 Subtitle 17A (HB 245, 2025 RS)
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.