How to File a Health Insurance Complaint in North Carolina

If you have a dispute with your health insurance company in North Carolina, the North Carolina Department of Insurance (NCDOI) is the state agency that regulates insurers and handles consumer complaints.

North Carolina Department of Insurance

The NCDOI licenses and regulates insurance companies in North Carolina and investigates consumer complaints. The department's Consumer Services Division handles health insurance disputes and requires insurers to formally respond to all complaints filed.

How to File a Complaint in North Carolina

• Online: ncdoi.gov — use the Consumer Services complaint form
• Phone: 1-855-408-1212
• Mail: NC Department of Insurance, Consumer Services Division, 325 N. Salisbury Street, Raleigh, NC 27603

What to Include

• Policy number and insurance company name
• Description of the issue with relevant dates
• Copies of denial notices, EOBs, and insurer correspondence
• The resolution you are requesting

External Review in North Carolina

North Carolina offers independent external review for denied claims after internal appeals are exhausted. Request external review through the NCDOI. The reviewer's decision is binding on the insurer.

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