Quick answer: New Jersey is a bifurcated state. Some disputes are governed by New Jersey's own specified state law, while others default to the federal No Surprises Act IDR process depending on the plan type and service involved.
New Jersey's specified state law applies broadly to out-of-network services rendered on an inadvertent, emergency, or urgent basis to individuals covered under a New Jersey health benefits plan, including free-standing emergency facilities. The federal IDR process applies mainly to air ambulance services. New Jersey is also one of six states that allows self-funded ERISA plans to voluntarily opt into the state process.
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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