{"data":{"id":"us-nm/59a-57a-3","jurisdiction":"us-nm","citation":"59A-57A-3","heading":"Emergency care; reimbursement; limitation on charges.","body":"A. A health insurance carrier shall reimburse a nonparticipating provider for emergency care necessary to evaluate and stabilize a covered person if a prudent layperson would reasonably believe that emergency care is necessary, regardless of eventual diagnosis.\nB. A health insurance carrier shall not require that prior authorization for emergency care be obtained by, or on behalf of, a covered person prior to the point of stabilization of that covered person if a prudent layperson would reasonably believe that the covered person requires emergency care.\nC. A health insurance carrier may impose a cost-sharing or limitation of benefits requirement for emergency care performed by a nonparticipating provider only to the same extent that the copayment, co-insurance or limitation of benefits requirement applies for participating providers and is documented in the policy.\nD. A health insurance carrier may require an emergency care provider to notify a health insurance carrier of a covered person's admission to the hospital within a reasonable time period after the covered person has been stabilized.","path":["Chapter 59A - Insurance Code","ARTICLE 57A Surprise Billing Protection"],"source_url":"https://nmonesource.com/nmos/nmsa-unanno/en/item/18562/index.do","current_through":"2026-07-01","vintage":"","retrieved_at":"2026-09-03T15:02:20Z","sha256":"f4979d985f8eac6ff6ea9d40f685290bae9817b362fd71eb3b964872733cd74a","source_id":"us-nm","stale":false,"prev":"us-nm/59a-57a-2","next":"us-nm/59a-57a-4"},"notice":"GroundRules: Original legal text. Not legal advice."}