Consumer Rights

For Residents in Colorado

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the Federal Housing Finance Authority.

For information about the Colorado Fair Debt Collection Practices Act, see coag.gov/car.

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

Colorado office address and telephone number

7200 S. Alton Way, Suite B180
Centennial, CO 80112
Local: (303) 768-0200
Toll-Free: (800) 903-9203

For Residents in New Mexico

Notice of Consumer Rights Pursuant to the New Mexico Surprise Billing Protection Act

If you are a covered person and you received a surprise bill from a nonparticipating (out-of-network) provider for health care services rendered in an amount that exceeds your cost-sharing obligation that would apply for the same health care services if the services had been provided by a participating (in-network) provider, you may have rights under the New Mexico Surprise Billing Protection Act (the “Act”). The Act generally prohibits health care providers from knowingly submitting a surprise bill for out-of-network services to an insured person that demands payment for any amount in excess of the cost-sharing amounts that would have been imposed by the insured person’s health benefits plan if the health care service from which the surprise bill arises had been rendered by an in-network provider. The Act also provides that it is an unfair practice for a health care provider to knowingly submit a surprise bill to a collection agency.

Pursuant to the Act, please be advised of the following rights:

1. Patients are responsible only for payment of applicable in-network cost-sharing amounts under the patient’s health benefits plan.
2. Patients should contact their insurance carriers in advance and/or the provider when possible, to determine if the scheduled health care services to be provided will be covered at an in-network rate.
3. When prior contact is not possible for the care required, patients should contact their insurance carrier to discuss the surprise billing and to find the correct limitations that may apply.
4. Patients may appeal a health insurer’s determination regarding a surprise bill in accordance with the hearing procedures established by New Mexico’s Patient Protection Act.
5. The Surprise Billing Protection Act SB 337 can be obtained online at osi.state.nm.us.
6. If additional information or questions arise, you may contact the New Mexico Superintendent of Insurance in Santa Fe, NM.

Mailing address

Office of Superintendent of Insurance
PO Box 1689
Santa Fe, NM 87504-1689
Phone: 1-855-427-5674