We use privacy-friendly analytics — Plausible (cookieless) and Microsoft Clarity, which uses cookies for anonymized heatmaps and session insights — plus advertising tags (LinkedIn Insight Tag and Google Ads) to measure our advertising and show relevant Sydra ads. We never sell your data. See our Cookie Policy and Privacy Policy.

Sydra

No Surprises Act · Colorado

Out-of-network claims in Colorado — that payment is an opening offer

Dispute pathway: Federal IDR + state pathway

Out-of-network surgical and hospital-based claims in Colorado are routinely paid below the billed charge or denied outright. Under the No Surprises Act that payment is an opening offer, and dispute resolution exists to contest it. Sydra checks what qualifies, assembles the submission, holds every deadline, and can file it for you.

Free claim review →

How disputes route in Colorado

Federal IDR + state pathway

Colorado resolves out-of-network payment disputes on state-regulated plans through Division of Insurance arbitration (HB 19-1174, 2019; C.R.S. §10-16-704; Regulation 4-2-65). For providers, the statutory benchmark that shapes a credible offer is the greater of 110% of the carrier's median in-network rate for the service in the same area, or the 60th percentile of in-network rates for the prior year in the state's all-payer claims database.

State-regulated plans follow Colorado's arbitration program, run by the Division of Insurance. Self-funded ERISA plans follow the federal IDR process. Confirm routing by plan type before filing.

What's specific to Colorado

  • Final-offer (baseball-style) arbitration: the arbiter picks one side's number. The request is due within 90 calendar days of the provider's receipt of the payment, notice of payment or remittance advice, not the date the payment was issued.
  • The losing side pays the arbitrator's fee, and the regulation has no batching provision, so each claim's economics matter on its own.

Claims that go to federal IDR follow a defined pathway between a payer's underpayment and a binding payment determination — an open negotiation window, an eligibility determination, a batching decision, then a decision by a certified IDR entity. Claims under Colorado's own law follow the state rules described above instead. Each step has its own deadline, and missing one can cost the claim. Providers win roughly 88% of federal IDR determinations they contest. Sydra is a capped, predictable fee — less than half of what most contingency firms charge. We file it, you keep the recovery.

Browse by specialty

Spine surgeryOrthopedic surgeryNeurosurgeryPlastic and reconstructive surgeryInterventional painHand surgeryEmergency medicineRadiologyPathologyAnesthesiaPodiatryNeonatologyAssistant SurgeonsOphthalmologic SurgeonsHospitalistsIntensivistsPhysician Assistants

Commonly disputed procedures in Colorado

Anterior cervical discectomy and fusion, single level (CPT 22551)Anterior cervical fusion, each additional level (CPT 22552)Cervical or thoracic epidural injection with imaging (CPT 62321)Lumbar or sacral epidural injection with imaging (CPT 62323)Total hip replacement (CPT 27130)Partial hip replacement (hemiarthroplasty) (CPT 27125)Craniotomy for brain tumor removal, supratentorial (CPT 61510)Craniotomy for meningioma removal, supratentorial (CPT 61512)Muscle flap, trunk (CPT 15734)Muscle flap, lower extremity (CPT 15738)Wrist joint replacement (interposition arthroplasty) (CPT 25447)Flexor tendon repair in zone 2, single (CPT 26356)Emergency department visit, minor (CPT 99281)Emergency department visit, low complexity (CPT 99282)CT scan of the head, without contrast (CPT 70450)CT scan of the head, with contrast (CPT 70460)Tissue exam under the microscope, level IV (CPT 88305)Tissue exam under the microscope, level III (CPT 88304)Epidural anesthesia for labor and delivery (CPT 01967)Anesthesia for upper abdominal surgery (CPT 00790)Correction, hammertoe (CPT 28285)Capsulotomy; midfoot (CPT 28270)Initial neonatal critical care, 28 days or younger (CPT 99468)Subsequent neonatal critical care, 28 days or younger (CPT 99469)Cataract removal with intraocular lens (CPT 66984)Intravitreal injection of a pharmacologic agent (CPT 67028)Initial hospital inpatient care, high complexity (CPT 99223)Subsequent hospital inpatient care, high complexity (CPT 99233)Central venous catheter insertion, age 5 or older (CPT 36556)Arterial catheterization for monitoring (CPT 36620)Coronary artery bypass, single arterial graft (CPT 33533)Laparoscopic cholecystectomy (CPT 47562)Incision and drainage of abscess, simple (CPT 10060)Debridement, subcutaneous tissue (CPT 11042)

Return to the Federal IDR hub.

No outcome is guaranteed. Results vary by claim, payer, specialty, and documentation. State routing depends on plan type; confirm against the CMS applicability chart before filing. This is general information, not legal or financial advice.

JA

Medically & clinically reviewed by Dr. John M. Abrahams, MD

Board-certified neurosurgeon and founder of Sydra · Last reviewed September 2026 · About the author

Sources

Figures reflect the published federal record across all disputes, not a prediction about any individual claim. This is general information, not legal or financial advice.