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]