Your state insurance department
Primary regulator for fully-insured commercial plans. Handles consumer complaints, conducts market-conduct exams, enforces state mini-COBRA + surprise-billing laws.
What this agency handles
Fully-insured commercial health insurance complaints, state-specific consumer protections (mini-COBRA, state surprise-billing laws, network adequacy, prompt-pay), market-conduct exams.
When to file
Any commercial insurance complaint that isn't ERISA self-funded. State departments often have stronger enforcement than ERISA enforcement.
How to file
Find your state insurance department at NAIC.org/state-insurance-departments. Each state has its own complaint portal.
Frequently asked questions
What does Your state insurance department handle?
Fully-insured commercial health insurance complaints, state-specific consumer protections (mini-COBRA, state surprise-billing laws, network adequacy, prompt-pay), market-conduct exams.
When should I file with them?
Any commercial insurance complaint that isn't ERISA self-funded. State departments often have stronger enforcement than ERISA enforcement.
How do I file?
Find your state insurance department at NAIC.org/state-insurance-departments. Each state has its own complaint portal.
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Visit Your state insurance department
Find your state insurance department at NAIC.org/state-insurance-departments. Each state has its own complaint portal.
Get started →Contact: hello@denialhelp.com