New York Insurance Commissioner
New York State Department of Financial Services (DFS)
Contact information
- Agency: New York State Department of Financial Services (DFS)
- Title: Superintendent
- Phone: (800) 342-3736
- Address: One State Street, New York, NY 10004
- File a complaint: https://www.dfs.ny.gov/complaint
- External review: https://www.dfs.ny.gov/consumers/health_insurance/external_review
Balance billing & surprise billing protection
NY Surprise Bills protection (Health Law sections 3217-d, 4904) + federal NSA. Comprehensive state law for emergency + out-of-network at in-network facility.
External review & appeal help
External Appeal Program — strongest in nation. 4-month window after final denial. Free and binding. Community Health Advocates offers free help.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before New York 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 York State Department of Financial Services (DFS) for external review.
Frequently asked questions
How do I file an insurance complaint in New York?
File online at https://www.dfs.ny.gov/complaint or call (800) 342-3736. 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 York?
External Appeal Program — strongest in nation. 4-month window after final denial. Free and binding. Community Health Advocates offers free help. Submit a request at https://www.dfs.ny.gov/consumers/health_insurance/external_review.
Does New York protect against surprise balance billing?
NY Surprise Bills protection (Health Law sections 3217-d, 4904) + federal NSA. Comprehensive state law for emergency + out-of-network at in-network facility.
What if my appeal is denied by New York 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 York State Department of Financial Services (DFS) regardless of appeal status.
Appeal your New York 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