How to File a Health Insurance Complaint in Florida

If you have a dispute with your health insurance company in Florida, the Florida Department of Financial Services (DFS) and the Florida Office of Insurance Regulation (OIR) both play roles in consumer protection. Here's how to get help.

Where to File in Florida

Florida has two agencies that handle insurance-related consumer issues:

• Florida Department of Financial Services: Handles consumer complaints against insurance companies including health insurers. This is your primary contact for most disputes.
• Florida Office of Insurance Regulation: Regulates insurer market conduct and licensing. For broader regulatory issues or insurer violations.

How to File a Complaint With Florida DFS

• Online: myfloridacfo.com — use the Consumer Assistance Portal
• Phone: 1-877-693-5236
• Mail: Florida Department of Financial Services, Division of Consumer Services, 200 East Gaines Street, Tallahassee, FL 32399

What to Include in Your Complaint

• Your policy number and insurance company name
• A description of the issue with relevant dates
• Copies of denial notices, EOBs, and insurer correspondence
• The resolution you are seeking

External Review in Florida

Florida offers independent external review for denied claims after internal appeals are exhausted. Request external review through the Florida DFS.

BenZen is licensed in Florida. If you need help navigating a complaint or appeal, reach out directly.