Delaware Insurance Commissioner
Delaware Department of Insurance
Contact information
- Agency: Delaware Department of Insurance
- Title: Insurance Commissioner
- Phone: (302) 674-7300
- Address: 1351 W North Street, Suite 101, Dover, DE 19904
- File a complaint: https://insurance.delaware.gov/consumers/consumerservices/
- External review: https://insurance.delaware.gov/consumers/external-review/
Balance billing & surprise billing protection
Federal NSA primary. Limited state-specific protections.
External review & appeal help
Independent Health Care Appeals Program (IHCAP) for medical necessity. Free + binding.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before Delaware 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 Delaware Department of Insurance for external review.
Frequently asked questions
How do I file an insurance complaint in Delaware?
File online at https://insurance.delaware.gov/consumers/consumerservices/ or call (302) 674-7300. 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 Delaware?
Independent Health Care Appeals Program (IHCAP) for medical necessity. Free + binding. Submit a request at https://insurance.delaware.gov/consumers/external-review/.
Does Delaware protect against surprise balance billing?
Federal NSA primary. Limited state-specific protections.
What if my appeal is denied by Delaware 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 Delaware Department of Insurance regardless of appeal status.
Appeal your Delaware 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