ArizonaDepartmentofInsurance
SURPRISEOUT‐OF‐NETWORKBILLING
DISPUTERESOLUTION(SOONBDR)
INSTRUCTIONS
Before you submit a request for surprise billing dispute resolution…
Itisimportantthatyouknowthefollowing:
1. Onlysubmitarequestfordisputeresolutionifeligible.Yourhealthinsurercanhelpyoudetermineeligibilityandcanprovide
informationyouneedtocompletetherequestform.ArizonaRevisedStatutes(“ARS”)§§20‐3111through20‐3119define
whichhealthcarebillsareeligibleforthedisputeresolutionprocess.Bylaw,thedisputeresolutionprocessdoesnotapplyto:
AhealthcareservicetheenrolleereceivedbeforeJanuary1,2019;
Ahealthcareserviceprovidedmorethanayearbeforetheenrolleesubmitsarequestforarbitration(extendedbyany
timethebillwasthesubjectofahealthcareappeal);
Abillthatis$999.99orlessafterdeductingtheenrollee'scopay,coinsurance,anddeductible;
Limitedbenefitcoverage;
Healthandaccidentcoverageforstateemployeesandtheirdependents;
Self‐fundedorself‐insuredemployeebenefitplanspreemptedbytheEmployeeRetirementIncomeSecurityActof1974
(a.k.a.ERISA)‐yourinsurancecardmayshow"ASO"or"AdministrativeServicesOnly"ifyouarecoveredunderaself‐
fundedplan;
Healthplansthatexcludeout‐of‐networkcoverageunlessotherwiserequiredbylaw;
Healthcareservicesthatarenotcoveredbythehealthplan;
Healthcareservicesnotprovidedfromahospital,outpatientsurgicalcenter,laboratory,diagnosticimagingcenteror
urgentcarecenterthathasacontractwiththehealthinsurer("networkfacility");
Providerorhealthfacilitychargesthatanindividualagreedtodirectlypayratherthanusingthehealthplan;
Providerorhealthfacilitychargesforwhichtheenrolleesignedadisclosurenoticeonwhichtheenrolleewasprovided
informationrequiredbyArizonalaw,therebyresultingintheenrolleewaivingrightstoarbitrationiftheamountofthe
provider'sbillwasnogreaterthantheestimatedtotalcostthattheproviderincludedonthedisclosurenotice;
Ahealthcareservicethatisthesubjectofahealthcareappealthathasnotbeendecided;
Ahealthcarebillorhealthcareservicethatisthesubjectofalegalactionthattheenrolleeinitiated;
Abillthatwaspreviouslysettledordecidedthroughthedisputeresolution(arbitration)process.
2. Onlysubmitarequestfordisputeresolutiononpaperifyoucannotsubmityourrequestonline.Youcanaccessthesecure,
onlineSurpriseOut‐of‐networkBillingDisputeResolution(SOONBDR)systemfromhttps://insurance.az.gov/soonbdr.
3. Whileinformationyousubmitwillgenerallybetreatedasconfidential,theinformationmaybesharedwiththehealthcare
providerwhobilledyouandthehealthcareprovider’sauthorizedrepresentativeandbillingcompany,withyourinsurance
companyandwithanarbitratorselectedtomakedecisionsaboutyourrequest.Whensendingsensitiveinformationbymail,
youshouldconsiderusingamethodthatwilltrackthedelivery.
4. Youwillneedtosubmitclearphotocopiesofthefollowingdocumentslistedonthelastpageoftherequestform.
ESSENTIAL:Acopyofthebill(s)andstatement(s)youreceivedfromyourproviderthatarepartofthesurprisebilling;
ESSENTIAL:Acopyofbothsidesofyourhealthinsurancecard(showingthenameoftheinsurancecompany,yourmember
number,planIDnumber,andotherinformation)
ESSENTIAL:Acopyofthe“ExplanationofBenefits”thatyoureceivedfromyourinsurancecompany(showingtheamount
thehealthcareproviderbilledandtheamountthehealthinsurancecompanyhaspaid)
HELPFUL:Acopyofanypayment(s)youmadetoyourproviderforcopayments,coinsurance,deductiblesoranyotherpart
oftheprovider’sinvoice;
HELPFUL:Acopyofeachnoticeordocumentyouorsomeoneonyourbehalfsenttoorreceivedfromtheprovideror
insurerthatpertainstothehealthcareservicesorsurprisebillyoureceived.