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
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 York State Department of Financial Services (DFS) or other authority that governs the case.
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 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