LA · last verified 2026-05-12
Louisiana — NSA dispute pathway
Ground-ambulance balance-billing law
STATE LAW APPLIES
La. R.S. 22:1880.2 (Act 453 of 2023, SB 109)
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 Louisiana fits the NSA picture
Louisiana Act 453 of 2023 (SB 109) requires insurer to pay OON ambulance direct within 30 days at local rate or lesser of 325% Medicare / billed charges. Payment is 'payment in full' — provider may not bill enrollee additional amount.
State DOI consumer-protection entry ↗Statute: La. R.S. 22:1880.2 (Act 453 of 2023, SB 109)
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.