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
You typically need to file an internal appeal with your insurer before Arizona will accept an external review request. DenialHelp drafts that internal appeal in five minutes from your denial letter — physician-ready, cited to medical evidence, and formatted for clean transmission to your insurer. If the internal appeal still loses, you can then file with the Arizona Department of Insurance and Financial Institutions for external review.
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 your denial letter — DenialHelp drafts a physician-ready appeal in five minutes. $39 first-level appeal, money back if we can't draft a strong appeal.
Get started →Contact: hello@denialhelp.com