MD · last verified 2026-05-12
Maryland — NSA dispute pathway
Ground-ambulance balance-billing law
STATE LAW APPLIES
Md. Code, Ins. §15-138
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 Maryland fits the NSA picture
Maryland has ground-ambulance balance-billing protections under state insurance law. State IDR pathway applies for state-regulated plans.
State DOI consumer-protection entry ↗Statute: Md. Code, Ins. §15-138
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.