Rhode Island Insurance Commissioner
Rhode Island Department of Business Regulation — Insurance Division
Contact information
- Agency: Rhode Island Department of Business Regulation — Insurance Division
- Title: Health Insurance Commissioner (OHIC)
- Phone: (401) 462-9520
- Address: 1511 Pontiac Avenue, Building 69-2, Cranston, RI 02920
- File a complaint: https://dbr.ri.gov/insurance/insurance-complaint-form
- External review: https://dbr.ri.gov/insurance/external-review
Balance billing & surprise billing protection
Federal NSA + state network adequacy protections.
External review & appeal help
Office of the Health Insurance Commissioner (OHIC) coordinates external review.
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 Rhode Island Department of Business Regulation — Insurance Division or other authority that governs the case.
Frequently asked questions
How do I file an insurance complaint in Rhode Island?
File online at https://dbr.ri.gov/insurance/insurance-complaint-form or call (401) 462-9520. 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 Rhode Island?
Office of the Health Insurance Commissioner (OHIC) coordinates external review. Submit a request at https://dbr.ri.gov/insurance/external-review.
Does Rhode Island protect against surprise balance billing?
Federal NSA + state network adequacy protections.
What if my appeal is denied by Rhode Island 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 Rhode Island Department of Business Regulation — Insurance Division regardless of appeal status.
Appeal your Rhode Island 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