If you are a New York resident and you believe your insurer did something illegal or unethical, you can file a complaint with the Department.

Complaint information. Your complaint should include the following information:

  • The name, address, email address, and telephone number of the person filing the complaint (“Complainant”);
  • The name of the insured individual, if different than the Complainant;
  • The name and address of insurance company;
  • The type of insurance, type of claim, policy number, claim number, and date of loss or service;
  • The details of the complaint; and
  • What you consider to be a fair resolution.[19]

Supporting documents. You should submit the following supporting documents with your complaint:

  • A copy of your insurance card;
  • Copies of coverage determination letters from your insurer;
  • Copies of any determinations made by internal and external reviewers;
  • Any materials submitted with prior appeals and complaints;
  • Supporting documentation from your doctor;
  • A copy of your insurance policy; and
  • All responses from your insurer.[20]

How to submit. The complaint may be submitted online, faxed to (212) 480-6282, or mailed to the following address:

Department of Financial Services
Consumer Assistance Unit
One Commerce Plaza
Albany, NY 12257 [21]