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
The governing notice and plan determine whether internal review must be completed before an external request. DenialHelp helps organize the notice, candidate evidence, and a draft for patient and clinician review. Verify the current route and filing instructions with the New Jersey Department of Banking and Insurance or other authority that governs the case.
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 the current notice to organize a reviewable draft. Confirm the applicable internal and external review route with the notice and current state or federal source.
Get started →Contact: hello@denialhelp.com