OR · last verified 2026-05-12
Oregon — NSA dispute pathway
Ground-ambulance balance-billing law
STATE LAW APPLIES
ORS 743B.292 (HB 3243, 2025)
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 Oregon fits the NSA picture
Oregon HB 3243 (2025) prohibits GASOs from balance-billing enrollees who paid in-network cost share. Reimbursement at locally-established rate or floor of 325% of Medicare.
State DOI consumer-protection entry ↗Statute: ORS 743B.292 (HB 3243, 2025)
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.