Washington Insurance Commissioner
Washington Office of the Insurance Commissioner (OIC)
Contact information
- Agency: Washington Office of the Insurance Commissioner (OIC)
- Title: Insurance Commissioner
- Phone: (800) 562-6900
- Address: 5000 Capitol Boulevard SE, Tumwater, WA 98501
- File a complaint: https://www.insurance.wa.gov/file-complaint-or-check-your-complaint-status
- External review: https://www.insurance.wa.gov/independent-review-organization-iro
Balance billing & surprise billing protection
WA Balance Billing Protection Act (HB 1065, 2019) — comprehensive protection for emergency + non-emergency in-network facility services.
External review & appeal help
Statewide Health Insurance Benefits Advisors (SHIBA) offers free help.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before Washington 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 Washington Office of the Insurance Commissioner (OIC) for external review.
Frequently asked questions
How do I file an insurance complaint in Washington?
File online at https://www.insurance.wa.gov/file-complaint-or-check-your-complaint-status or call (800) 562-6900. 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 Washington?
Statewide Health Insurance Benefits Advisors (SHIBA) offers free help. Submit a request at https://www.insurance.wa.gov/independent-review-organization-iro.
Does Washington protect against surprise balance billing?
WA Balance Billing Protection Act (HB 1065, 2019) — comprehensive protection for emergency + non-emergency in-network facility services.
What if my appeal is denied by Washington 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 Washington Office of the Insurance Commissioner (OIC) regardless of appeal status.
Appeal your Washington 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