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
You typically need to file an internal appeal with your insurer before Rhode Island 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 Rhode Island Department of Business Regulation — Insurance Division for external review.
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 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