Vermont Insurance Commissioner
Vermont Department of Financial Regulation — Insurance Division
Contact information
- Agency: Vermont Department of Financial Regulation — Insurance Division
- Title: Commissioner
- Phone: (800) 964-1784
- Address: 89 Main Street, Montpelier, VT 05620
- File a complaint: https://dfr.vermont.gov/consumers/file-complaint-or-question/insurance-complaint
- External review: https://dfr.vermont.gov/insurance/health-insurance/external-review
Balance billing & surprise billing protection
VT has comprehensive state-level health protections + federal NSA.
External review & appeal help
Health Care Advocate (HCA) at VT Legal Aid offers free assistance.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before Vermont 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 Vermont Department of Financial Regulation — Insurance Division for external review.
Frequently asked questions
How do I file an insurance complaint in Vermont?
File online at https://dfr.vermont.gov/consumers/file-complaint-or-question/insurance-complaint or call (800) 964-1784. 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 Vermont?
Health Care Advocate (HCA) at VT Legal Aid offers free assistance. Submit a request at https://dfr.vermont.gov/insurance/health-insurance/external-review.
Does Vermont protect against surprise balance billing?
VT has comprehensive state-level health protections + federal NSA.
What if my appeal is denied by Vermont 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 Vermont Department of Financial Regulation — Insurance Division regardless of appeal status.
Appeal your Vermont 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