Florida Insurance Commissioner
Florida Office of Insurance Regulation (OIR) / Department of Financial Services (DFS)
Contact information
- Agency: Florida Office of Insurance Regulation (OIR) / Department of Financial Services (DFS)
- Title: Commissioner of Insurance Regulation
- Phone: (877) 693-5236
- Address: 200 East Gaines Street, Tallahassee, FL 32399
- File a complaint: https://www.myfloridacfo.com/division/consumers/
- External review: https://www.myfloridacfo.com/division/consumers/AppealsRights
Balance billing & surprise billing protection
FL HB 221 (2016) — comprehensive surprise billing protection for emergency + non-emergency in-network facility services. Strong state law.
External review & appeal help
DFS handles consumer complaints; OIR regulates insurers. Subscriber Assistance Program for HMO appeals.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before Florida 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 Florida Office of Insurance Regulation (OIR) / Department of Financial Services (DFS) for external review.
Frequently asked questions
How do I file an insurance complaint in Florida?
File online at https://www.myfloridacfo.com/division/consumers/ or call (877) 693-5236. 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 Florida?
DFS handles consumer complaints; OIR regulates insurers. Subscriber Assistance Program for HMO appeals. Submit a request at https://www.myfloridacfo.com/division/consumers/AppealsRights.
Does Florida protect against surprise balance billing?
FL HB 221 (2016) — comprehensive surprise billing protection for emergency + non-emergency in-network facility services. Strong state law.
What if my appeal is denied by Florida 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 Florida Office of Insurance Regulation (OIR) / Department of Financial Services (DFS) regardless of appeal status.
Appeal your Florida 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