BillFight / States / Texas
Texas-specific medical bill dispute letter

Texas medical bill dispute letter — generated in 60 seconds.

A formal, legally-grounded dispute letter tailored to Texas law — citing the Texas Prompt Pay Act, TDI complaint track, the No Surprises Act, and HHSC Charity Care rules. Built around your specific bill, sent to you instantly.

Get My Texas Dispute Letter — $29
Cites Texas Prompt Pay Act TDI complaint path embedded No Surprises Act covered
30 days
TX Prompt Pay deadline
TDI
formal complaint track
140%
TX uninsured cap vs Medicare
60 sec
dispute letter ready
Built for Texas

Texas law, Texas providers — not generic boilerplate.

Every BillFight letter cites the state law the provider or insurer is actually subject to — including the Texas-specific statutes and regulators that govern your dispute.

Texas Prompt Pay Act
Tex. Ins. Code

If your insurer has delayed or underpaid a clean claim past 30 days (§§ 1301.103, 843.337, 542.051–.060), your letter demands payment plus statutory late-payment interest, and notifies the carrier you'll escalate to the Texas Department of Insurance.

  • →Cites the 30-day deadline for clean claims
  • →References TDI Complaint Division intake
  • →Demands interest on the disputed amount
Balance billing in Texas
NSA + TDI

Texas patients — especially in the Houston, Dallas–Fort Worth, San Antonio, and Austin metros — routinely receive out-of-network anesthesiologist, radiologist, and pathologist bills after ER or in-network-facility care. The letter cites the No Surprises Act and Texas Insurance Code §1458.001–.007 (Texas's own arbitration pathway).

  • →Anesthesiologist / radiologist / pathologist scenarios
  • →Ascension, HCA, and Texas Health Resources systems
  • →References Texas mediation IDR at tdi.texas.gov
Uninsured in Texas
Tex. H&S §311

Texas Health & Safety Code §311.002–.005 limits what qualifying Texas hospitals can charge uninsured patients to no more than 140% of the Medicare allowable rate. We cite the capped-rate requirement and HHSC Charity Care eligibility (Tex. H&S §311.044).

  • →Demands recalculation at the Medicare rate
  • →Invokes Texas Charity Care screening
  • →Notes HHSC complaint path if denied
Insurance claim denial
ACA + TDI

If your Texas-issued plan denied a claim, the letter starts a formal internal appeal with a 30-day insurer response window, then names the external independent review (maxICR) pathway and TDI escalation if the internal appeal is denied.

  • →ACA internal & external appeal rights
  • →180-day appeal window for ACA plans
  • →TDI complaint track named in escalation
Collections in Texas
FDCPA + Tex. B&C

If a Texas collector has already started pursuing your medical debt, the letter delivers the FDCPA dispute-and-verification demand and cites the Texas Business & Commerce Code §392.001–.003 — Texas's debt-collection statute — to halt collection activity pending verification.

  • →FDCPA 30-day dispute window cited
  • →Texas B&C Chapter 392 protections
  • →Required verification before collection resumes
Common Texas disputes
Patterns

The most frequent Texas issues BillFight letters are written to handle: out-of-network ER specialists at HCA / Ascension / THR facilities; balance bills from freestanding ERs in Texas (state-licensed but often out-of-network); and facility fees at Houston and Dallas hospital systems.

  • →Freestanding ER balance-billing scenarios
  • →Large-system facility-fee disputes
  • →ER observation-status billing vs inpatient
Realistic Texas outcomes

What Texas patients typically see

Every case is different, but the bands below reflect what Texas patients in this category historically see from a formal written dispute.

$800–$4,500
Average TX patient saving
Typical overcharge band identified and reduced
~78%
Cases resolved with a reduction
Written disputes that produce a correction
30 days
Prompt Pay response deadline
The window insurers must meet under Texas law
Texas-specific questions

Common Texas medical bill questions

The questions Texas patients ask most — about the Prompt Pay Act, TDI, HHSC Charity Care, and the No Surprises Act.

What is the Texas Prompt Pay Act?+
The Texas Prompt Pay Act (Tex. Ins. Code §§ 843.337, 1301.103, 542.051–.060) requires Texas-licensed health insurers and HMOs to pay clean claims within 30 days of receipt and undisputed portions within that window. If your insurer has delayed payment, underpaid, or sat on a claim past 30 days without a written explanation, the Prompt Pay Act entitles you to interest on the unpaid amount and a formal complaint to the Texas Department of Insurance. A BillFight dispute letter for an unpaid or underpaid Texas claim cites the 30-day deadline, the TDI complaint track, and the late-payment interest rate as remedies the insurer must address.
How do I file a complaint with TDI?+
To file a complaint with TDI about an insurance issue (denied claim, delayed payment, balance billing, surprise bill, or network adequacy), submit online at tdi.texas.gov/forms/file-complaint or call the TDI Consumer Help Line at 800-252-3439. For billing disputes with a Texas hospital (not an insurer), complaints go to the Texas Health and Human Services Commission (HHSC) for charity-care compliance or to the Texas Attorney General's Consumer Protection Division. BillFight's Texas letter embeds the TDI complaint path so the provider or insurer knows you can escalate directly to the state regulator.
Does the No Surprises Act protect me in Texas?+
Yes. The federal No Surprises Act (effective January 1, 2022) applies in Texas and prohibits out-of-network providers from balance billing you for emergency services, or for care delivered by out-of-network providers at an in-network facility without your prior written informed consent. This matters acutely in Texas because of the state's high rates of out-of-network ER specialist billing (anesthesiologists, radiologists, pathologists) — particularly at large Ascension, HCA, and Texas Health Resources facilities across Houston, Dallas–Fort Worth, San Antonio, and Austin. Your BillFight letter cites the NSA and Texas Insurance Code §1458.001–.007 (Texas's own mediation pathway) to demand removal of the out-of-network charge.
What is the Texas Uninsured Discount Program?+
Under Texas Health & Safety Code §311.002–.005, qualifying Texas hospitals must offer an Uninsured Discount Program that bills uninsured patients at no more than 140% of the hospital's Medicare allowable rate, with even deeper reductions for patients at or below 200% of the Federal Poverty Level. If your bill from a Texas hospital exceeds the calculated discounted rate, you can dispute the excess under the program. A BillFight letter for uninsured Texas residents cites §311.002–.005 and demands recalculation at the Medicare-based rate.
Am I eligible for Texas Charity Care?+
Texas non-profit hospitals (and most large for-profit hospitals that receive certain tax benefits) are required to have a written Charity Care policy and post it publicly. Texas Health & Safety Code §311.044 requires non-profit hospitals to provide charity care to patients at or below 200% of the Federal Poverty Level — often at no charge. Even at higher income levels, partial charity care or financial assistance is typically available. If a Texas hospital billed you full charges without screening you for Charity Care eligibility, that is a violation you can dispute. A BillFight letter cites HHSC Charity Care requirements and requests a formal financial assistance screen.
Can I dispute an Ascension, HCA, or THR bill?+
Yes. Ascension, HCA Healthcare (which owns Mission, Methodist, and St. David's hospitals in Texas), and Texas Health Resources all have formal patient financial services departments you can dispute through. In addition to internal escalation, you can file a complaint with TDI (for insurer-side issues), HHSC (for charity-care compliance), or the Texas Attorney General's Consumer Protection Division. The No Surprises Act protects you from out-of-network ER providers at any in-network facility — including those owned by Ascension, HCA, or THR. BillFight dispute letters cite the relevant federal and Texas state law for every scenario.

Get a Texas-tailored dispute letter today.

Tell us about your Texas bill. We'll write a professional, legally-grounded dispute letter citing the right Texas statutes — ready to print, sign, and mail in 60 seconds.

Get My Texas Dispute Letter — $29

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