Quick answer: Missouri is a bifurcated state. Some disputes are governed by Missouri's own specified state law, while others default to the federal No Surprises Act IDR process depending on the plan type and service involved.
Missouri's specified state law applies specifically to unanticipated out-of-network emergency care furnished at an in-network facility, from the time a patient presents with an emergency condition until discharge. The federal IDR process applies to broader emergency services at out-of-network facilities, non-emergency items at in-network facilities, and 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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