{"data":{"id":"us-nm/59a-57a-6","jurisdiction":"us-nm","citation":"59A-57A-6","heading":"Covered persons; providers; overpayment.","body":"A. If a covered person pays a nonparticipating provider more than the in-network cost-sharing amount for services provided under circumstances giving rise to a surprise bill, the nonparticipating provider shall refund to the covered person within forty-five calendar days of receipt of payment from the health insurance carrier any amount paid in excess of the in-network cost-sharing amount.\nB. If a nonparticipating provider has not made a full refund to the covered person of any amount paid in excess of the in-network cost-sharing amount to the covered person within forty-five calendar days of receipt, interest shall accrue at the rate set for payment of interest on a health plan's liability for clean claims submitted by eligible providers to a health plan pursuant to Chapter 59A, Article 16 NMSA 1978.\nC. A covered person may seek recovery of the refund of the amount the covered person has paid in excess of the in-network cost-sharing amount that a nonparticipating provider owes, plus interest, pursuant to Subsection B of this section by filing an appeal with the office of superintendent of insurance. The superintendent of insurance shall develop an appeals process pursuant to this section.","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":"db2e28b3f92367a132be559c29ef61fb1817b52ea2d3d461daa6266de8ef251b","source_id":"us-nm","stale":false,"prev":"us-nm/59a-57a-5","next":"us-nm/59a-57a-7"},"notice":"GroundRules: Original legal text. Not legal advice."}