Arizona Insurance Commissioner
Arizona Department of Insurance and Financial Institutions
Contact information
- Agency: Arizona Department of Insurance and Financial Institutions
- Title: Director
- Phone: (602) 364-2499
- Address: 100 N 15th Avenue, Suite 261, Phoenix, AZ 85007
- File a complaint: https://difi.az.gov/file-complaint
- External review: https://difi.az.gov/external-independent-review
Balance billing & surprise billing protection
Arizona Surprise Out-of-Network Bill law (HB 2536, 2017) for emergency services and certain non-emergency in-network facility services; supplemented by federal NSA.
External review & appeal help
External review within 4 months of denial; can request expedited review for urgent care. Free service through DIFI-contracted IRO.
How DenialHelp fits in
The governing notice and plan determine whether internal review must be completed before an external request. DenialHelp helps organize the notice, candidate evidence, and a draft for patient and clinician review. Verify the current route and filing instructions with the Arizona Department of Insurance and Financial Institutions or other authority that governs the case.
Frequently asked questions
How do I file an insurance complaint in Arizona?
File online at https://difi.az.gov/file-complaint or call (602) 364-2499. Most states will investigate insurance company conduct, send the complaint to the insurer for a written response, and report findings to you.
What is the external review process in Arizona?
External review within 4 months of denial; can request expedited review for urgent care. Free service through DIFI-contracted IRO. Submit a request at https://difi.az.gov/external-independent-review.
Does Arizona protect against surprise balance billing?
Arizona Surprise Out-of-Network Bill law (HB 2536, 2017) for emergency services and certain non-emergency in-network facility services; supplemented by federal NSA.
What if my appeal is denied by Arizona insurance company?
After internal appeal denial, you can request external review through the state insurance department or its contracted Independent Review Organization (IRO). External review decisions are typically binding on the insurer. You can also file a complaint with the Arizona Department of Insurance and Financial Institutions regardless of appeal status.
Appeal your Arizona health insurance denial
Upload the current notice to organize a reviewable draft. Confirm the applicable internal and external review route with the notice and current state or federal source.
Get started →Contact: hello@denialhelp.com