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No Surprises Act · Maryland

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

Dispute pathway: Federal IDR + state pathway

Out-of-network surgical and hospital-based claims in Maryland 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.

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How disputes route in Maryland

Federal IDR + state pathway

Maryland sets out-of-network payment administratively rather than by arbitration. Hospital services are rate-set under the All-Payer Model; Md. Insurance §14-205.2 governs on-call and hospital-based physicians paid by assignment; and Health-General §19-710.1 governs HMOs. Everything those three do not reach goes to federal IDR.

Maryland has no state arbitration. Rates are set by the All-Payer Model for hospitals, by Insurance §14-205.2 for on-call and hospital-based physicians paid by assignment, and by Health-General §19-710.1 for HMOs. Anything those do not reach, and self-funded ERISA plans, goes to the federal IDR process.

What's specific to Maryland

Hospital rates are set under Maryland's All-Payer Model, which takes precedence over a state law in the No Surprises Act's payment order.
Insurance §14-205.2 sets payment for on-call and hospital-based physicians who take an assignment of benefits; HMO claims fall under a separate statute, Health-General §19-710.1, which reaches any non-contracted provider.
Enforcement is by complaint to the Maryland Insurance Administration or a civil action; there is no rate-determination forum to file in.

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 Maryland'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.

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Commonly disputed procedures in Maryland

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.

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.