The Utah Insurance Department has a staff of insurance experts available to help you understand your insurance coverage and answer your questions. If you have been unable to resolve a problem with your insurance company or agent, you may contact our staff for assistance, or file a written complaint. If your complaint involves health care insurance, please refer to the HEALTH CARE INSURANCE COMPLAINTS section below.
Our consumer service personnel are available to assist you between the hours of 8:00 a.m. and 5:00 p.m., Monday through Friday by calling:
Salt Lake City area: 801-538-3800
In-state toll-free: 1-800-439-3805
HOW TO FILE A COMPLAINT
- The online process requires that you open an account. When creating your account it is important to MAKE NOTE OF THE PASSWORD you select, it will be required to access the status of your complaint. Once your account has been created, you will be able to access the complaint form and submit your complaint. The purpose of a password protected account is to provide secure transmission of the complaint and communication to and from the Insurance Department.
- If you are not able to complete your complaint online please contact our office for a printed complaint form to be sent to you.
- Once we receive your complaint:
- Your complaint will be forwarded to the party that you are complaining against for a response.
- We will review the response and provide you with our findings.
- The complaint process usually takes three to four weeks.
CLAIM HANDLING LAWS AND RULES
- For information regarding Claim Settlement Practices click here.
HEALTH CARE INSURANCE COMPLAINTS
- SELF-FUNDED HEALTH BENEFITS. Many large employers do not purchase health insurance from an insurance company but rather the employer self-funds the health benefits provided to employees and use an insurance company or third-party administrator to handle the claims administration. In these cases, the Insurance Department does not have jurisdiction to assist you with a complaint. For information regarding Self-Funded Health Insurance Claims click here.
- INDEPENDENT REVIEW. If you have had a claim denied by a health insurance company and have completed the appeal process outlined in your policy, you may be eligible for an independent review. For information regarding Independent Review of an Adverse Benefit Determination click here.