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How to File a Health Insurance Complaint in Virginia
The Virginia Bureau of Insurance handles consumer complaints — here's how to file one.
If you have a dispute with your health insurance company in Virginia, the Virginia Bureau of Insurance (BOI) — part of the State Corporation Commission — is the agency that regulates insurers and handles consumer complaints.
Virginia Bureau of Insurance
The Virginia BOI licenses and regulates insurance companies operating in Virginia and investigates consumer complaints. Filing a complaint is free and creates an official record that insurers must formally respond to.
How to File a Complaint in Virginia
- Online: scc.virginia.gov — use the Insurance Complaint Center
- Phone: 1-877-310-6560
- Mail: Bureau of Insurance, P.O. Box 1157, Richmond, VA 23218
What to Include in Your Complaint
- Your policy number and insurance company name
- A clear description of the problem and relevant dates
- Copies of denial notices, EOBs, and any correspondence with your insurer
- What resolution you are seeking
What Happens After You File
The BOI will review your complaint, contact your insurer for a formal response, and notify you of the outcome. The insurer must respond within the timeframe specified by the BOI. Serious or repeated violations can result in regulatory action against the carrier.
External Review in Virginia
Virginia offers an independent external review process for claim denials. After exhausting internal appeals, you can request external review through the BOI. The external reviewer's decision is binding on the insurer.
BenZen is licensed in Virginia. If you need help navigating a complaint or appeal, reach out directly.