Colorado Insurance Commissioner
Colorado Division of Insurance
Contact information
- Agency: Colorado Division of Insurance
- Title: Insurance Commissioner
- Phone: (303) 894-7490
- Address: 1560 Broadway, Suite 850, Denver, CO 80202
- File a complaint: https://doi.colorado.gov/for-consumers/file-a-complaint
- External review: https://doi.colorado.gov/for-consumers/external-review-process
Balance billing & surprise billing protection
Colorado HB 19-1174 + SB 21-016 — comprehensive state balance billing protections for emergency + non-emergency out-of-network at in-network facilities. Strong state law.
External review & appeal help
External review within 4 months of denial. Decisions binding on insurer. Colorado has strong consumer protection regulations.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before Colorado 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 Colorado Division of Insurance for external review.
Frequently asked questions
How do I file an insurance complaint in Colorado?
File online at https://doi.colorado.gov/for-consumers/file-a-complaint or call (303) 894-7490. 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 Colorado?
External review within 4 months of denial. Decisions binding on insurer. Colorado has strong consumer protection regulations. Submit a request at https://doi.colorado.gov/for-consumers/external-review-process.
Does Colorado protect against surprise balance billing?
Colorado HB 19-1174 + SB 21-016 — comprehensive state balance billing protections for emergency + non-emergency out-of-network at in-network facilities. Strong state law.
What if my appeal is denied by Colorado 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 Colorado Division of Insurance regardless of appeal status.
Appeal your Colorado 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