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How to File a Health Insurance Complaint in New Jersey
New Jersey has strong insurance consumer protections — here's how to file a complaint with DOBI.
If you have a dispute with your health insurance company in New Jersey, the New Jersey Department of Banking and Insurance (DOBI) is the state agency that regulates insurers and handles consumer complaints.
New Jersey Department of Banking and Insurance
The NJ DOBI licenses and regulates insurance companies in New Jersey and investigates consumer complaints against health insurers. Filing a complaint is free and puts your insurer on notice with a state regulator.
How to File a Complaint in New Jersey
- Online: state.nj.us/dobi — use the Consumer Complaint Center
- Phone: 1-800-446-7467
- Mail: NJ Department of Banking and Insurance, Consumer Inquiry and Response Center, P.O. Box 471, Trenton, NJ 08625
What to Include
- Policy number and insurance company name
- Description of the issue with dates
- Copies of denial notices, EOBs, and insurer correspondence
- The resolution you are requesting
New Jersey's Strong Consumer Protections
New Jersey has some of the strongest insurance consumer protection laws in the country. The DOBI actively investigates complaints and has authority to impose fines and require corrective action against carriers that violate state law.
External Review in New Jersey
New Jersey offers independent external review for denied claims. Request external review through the DOBI after exhausting internal appeals.
BenZen is licensed in New Jersey. If you need help navigating a complaint or appeal, reach out directly.