No Surprises Act — Federal Arbitration
Florida Arbitration

Your Insurance Company Is Paying You 7 Cents on the Dollar. Here's Your Legal Remedy.

Watch this short walkthrough to see exactly how much revenue your practice may be legally owed — and how we recover it for you on a pure contingency basis.

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Time-sensitive: Federal and Florida Law gives you a strict deadline from your EOB to file a dispute. After that window, the insurance company keeps the difference — permanently.

7–10% Typical EOB payout vs. amount billed — what insurers offer by default
86% Provider win rate in federal IDR arbitration (2024 CMS data; results vary by provider type and claim volume)
450% Average award vs. the qualifying payment amount (QPA) — the federally established benchmark — when providers prevail (2024 CMS data)

The No Surprises Act Created a Powerful Arbitration Right. Most Providers Don't Know It Exists.

The Federal Remedy

Passed in 2022, the No Surprises Act includes an Independent Dispute Resolution (IDR) process that allows out-of-network healthcare providers to formally challenge underpaid insurance claims through federally supervised arbitration. An independent arbitrator reviews both offers and selects one — and providers win the overwhelming majority of the time.

The Florida Remedy

Florida Statute 408.7057

  • All FL-licensed providers, including HMOs
  • 12-month filing window — Usual & customary rate payment standard
01

You receive an EOB

Insurance pays 7–10% of billed charges. Short deadline window to dispute opens immediately.

02

We file the IDR dispute

We identify eligible claims, prepare documentation, and file with a certified IDR entity before the deadline.

03

Arbitrator selects a payment

Both sides submit offers. The arbitrator picks one — and data shows providers win 86%+ of the time.

04

We fight to get you paid

You pay us only from what we recover — nothing upfront, ever.

Pure Contingency — We Only Get Paid When We Win

We handle every aspect of the IDR process: claim review, documentation, filing, arbitration strategy, and follow-through. There are no upfront fees, and no costs of any kind. If we don't recover money for you, you owe us absolutely nothing. Our fee only applies to new money we recover for you. Never on amounts already paid by the insurance carrier.

Larry Moskowitz, Attorney at Law

Larry Moskowitz

Attorney at Law · 30+ Years in Medical Revenue Recovery

For over three decades, Larry Moskowitz has represented providers in insurance payment disputes and medical revenue recovery.

His practice includes a focus on the intersection of healthcare billing and insurance law — giving providers access to the kind of deep, specialized expertise that the IDR process demands.

Larry Moskowitz, P.A. has recovered millions in underpaid claims for clients who had accepted low EOB payments as inevitable — until they learned about their legal rights. Past results do not guarantee similar outcomes.

Answers for Providers

Frequently Asked Questions

What is Independent Dispute Resolution (IDR) under the No Surprises Act?

IDR is a federal arbitration process created by the No Surprises Act (2022). It lets out-of-network healthcare providers formally challenge underpaid insurance claims through a neutral, certified arbitrator. Both the provider and the insurer submit a payment offer; the arbitrator selects one. There is no compromise or averaging — the arbitrator picks a single number.

Florida has a similar process under Florida Statute 408.7057

  • All FL-licensed providers, including HMOs
  • 12-month filing window — far more time than Federal IDR. Usual & customary rate payment standard
  • Voluntary arbitration with broader factors
  • Administered by AHCA / Capitol Bridge LLC
How much does it cost to work with Larry Moskowitz, P.A.?
Nothing upfront. IDR representation is pure contingency — providers pay only from what we recover. If we do not win money for you, you owe us nothing. There are no filing-fees, deposits, or hourly billings.
How long do I have to file an IDR dispute after receiving an EOB?
Federal law provides a 30-business-day window from the date of the Explanation of Benefits (EOB) to open negotiation with the insurer. If negotiation fails, providers then have four business days to formally initiate IDR. After those windows close, the underpayment becomes permanent. Florida IDR provides a 12 month filing window.
Which types of practices can use the IDR process?
Any out-of-network provider treating patients covered by most group health plans, ACA marketplace plans, or FEHB benefits — commonly including emergency medicine, anesthesiology, radiology, pathology, hospital-based specialists, air ambulance, and non-emergency out-of-network services at in-network facilities.
How often do providers win at IDR arbitration?
CMS data from 2024 shows providers prevail in approximately 86% of IDR determinations. When providers prevail, awards have averaged roughly 4.5x the insurer's Qualifying Payment Amount (QPA). Results vary by provider type, claim volume, and documentation quality.
Which insurance plans does IDR apply to?
The federal IDR process applies to most group health plans (including self-insured ERISA plans) and individual coverage governed by the No Surprises Act. Medicare, Medicaid, VA, TRICARE, and Indian Health Service payments follow separate dispute processes and are not eligible for federal IDR. Florida IDR includes all Florida licensed providers including HMOs.
Can Larry Moskowitz, P.A. handle claims outside Florida?

Yes. IDR is a federal process governed by federal law and administered by CMS-certified IDR entities nationwide. Florida IDR is governed by Florida Law and administered by AHCA / Capitol Bridge LLC.

Larry Moskowitz is licensed in Florida and Texas and represents providers in IDR disputes across the country.

What do I need to get started?
A recent EOB showing an underpayment, the underlying billing (CPT/HCPCS codes, service dates, patient/plan identifiers redacted where needed), and any prior correspondence with the insurer. We handle the eligibility review, documentation, and filing.

Find Out What Your Practice Is Actually Owed

Schedule a free, no-obligation consultation. We'll review your situation, tell you whether your claims qualify, and give you a straight answer about your recovery potential.

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