ArizonaDepartmentofInsurance and Financial Institutions
SURPRISEOUT‐OF‐NETWORKBILLINGDISPUTERESOLUTION
(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:
• Balance billings on health policies issued or renewed on or after January 1, 2022 (see Federal No Surprises Act) https://
www.cms.gov/nosurprises;
• A health care service the enrollee received before January 1, 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://difi.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.