Quick answer: Illinois is a bifurcated state. Some disputes are governed by Illinois's own specified state law, while others default to the federal No Surprises Act IDR process depending on the plan type and service involved.
Illinois's specified state law applies broadly to emergency items and services, non-emergency items and services at in-network facilities, and (since July 2022) items and services furnished by HMO plans. The federal IDR process applies mainly to air ambulance services.
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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