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How to File a Health Insurance Complaint in Texas
The Texas Department of Insurance handles consumer complaints — here's how to file one.
If you have a dispute with your health insurance company in Texas, the Texas Department of Insurance (TDI) is the state agency that regulates insurers and handles consumer complaints.
Texas Department of Insurance
The TDI licenses and regulates insurance companies in Texas and investigates consumer complaints through its Consumer Protection division. Texas has a robust consumer complaint process and requires insurers to respond to all filed complaints.
How to File a Complaint in Texas
- Online: tdi.texas.gov — use the Complaint Portal
- Phone: 1-800-252-3439
- Mail: Texas Department of Insurance, P.O. Box 12030, Austin, TX 78711
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
Texas HMO Complaints — Additional Option
If your plan is an HMO, you may also file a complaint with the Texas Medical Board if the issue involves a denial of medically necessary care. Texas HMO members have specific additional rights under state law.
External Review in Texas
Texas offers independent external review for denied claims after internal appeals. Request external review through the TDI. The reviewer's decision is binding on the insurer.
BenZen is licensed in Texas. If you need help navigating a complaint or appeal, reach out directly.