New York State

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Eric R. Dinallo   Superintendent of Insurance  25 Beaver Street  New York, N.Y. 10004

ISSUED 08/11/2008 FOR IMMEDIATE RELEASE

Consumer Protection

WHAT TO DO IF YOUR HEALTH INSURANCE COMPANY DENIES A CLAIM

By Eric Dinallo

Superintendent of the New York State Insurance Department

Major illness or a stay in the hospital is always stressful. It's not a time you want to be worried about your insurance coverage. For some consumers, however, this is when they learn their insurance company won't pay part or sometimes all of a claim.

To help understand your options when a claim is denied, the New York State Department of Insurance suggests these steps:

More Information

Contact the Insurance Department’s Consumer Services Bureau if you are unable to resolve a dispute and need help to do so. The Bureau can be reached between 9 a.m. and 4:30 p.m., Monday through Friday toll-free at 800-342-3736. On-line complaints may be filed at any time on Department’s Web site, www.ins.state.ny.us. In addition, the Bureau has a dedicated toll-free line for questions relating to experimental, investigational or medical necessity denials. Consumers should call 800-400-8882 with questions relating to these types of denials.

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