New Jersey Insurance Commissioner
New Jersey Department of Banking and Insurance
Contact information
- Agency: New Jersey Department of Banking and Insurance
- Title: Commissioner
- Phone: (800) 446-7467
- Address: 20 W State Street, Trenton, NJ 08625
- File a complaint: https://www.nj.gov/dobi/division_consumers/insurance/
- External review: https://www.state.nj.us/dobi/division_insurance/managedcare/iuro_intro.htm
Balance billing & surprise billing protection
NJ Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act (P.L. 2018, c. 32) — strong state law.
External review & appeal help
Independent Health Care Appeals Program. Free, binding. Submit within 4 months of denial.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before New Jersey 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 New Jersey Department of Banking and Insurance for external review.
Frequently asked questions
How do I file an insurance complaint in New Jersey?
File online at https://www.nj.gov/dobi/division_consumers/insurance/ or call (800) 446-7467. 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 New Jersey?
Independent Health Care Appeals Program. Free, binding. Submit within 4 months of denial. Submit a request at https://www.state.nj.us/dobi/division_insurance/managedcare/iuro_intro.htm.
Does New Jersey protect against surprise balance billing?
NJ Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act (P.L. 2018, c. 32) — strong state law.
What if my appeal is denied by New Jersey 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 New Jersey Department of Banking and Insurance regardless of appeal status.
Appeal your New Jersey 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