Quick answer: Colorado is a bifurcated state. Some disputes are governed by Colorado's own specified state law, while others default to the federal No Surprises Act IDR process depending on the plan type and service involved.
Colorado's specified state law applies to emergency services by out-of-network providers or facilities, non-emergency ancillary services at in-network facilities, and post-stabilization emergency services. The federal IDR process applies mainly to air ambulance services furnished by out-of-network providers.
Federal No Surprises Act protections took effect January 1, 2022. State-specific protections vary — check the official source below for exact effective dates in this state.
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