Consumer complaints against insurance companies must be received in writing.
- You may file a complaint using our Online Consumer Complaint Portal.
- You may print off our Insurance Complaint Form and mail or fax the completed form to the Consumer Services Division.
The Online Consumer Complaint Portal is the preferred & most efficient method of filing a complaint.
Mail to:
IDOI
Attn: Consumer Services Division
311 W. Washington Street, Suite 300
Indianapolis, IN 46204-2787
Fax to:
317-234-2103
Complaint Process
- Your submitted complaint will be processed typically within 72 hours of receipt.
- You will receive a confirmation letter from the Consumer Services Division acknowledging the receipt of your complaint with your problem report number listed along with the name of the Consultant handling your file. Please always refer to this Problem Report number in any correspondence with your Consultant regarding your complaint.
- Your complaint along with a letter from the IDOI will be mailed to the insurance company or agency the complaint is against. By Indiana law, an insurance company has 20 business days to respond in writing to the IDOI.
- After receipt of the response, the IDOI will send you a copy of the company's response along with our response.
- Your complaint will be kept on file at the Department of Insurance and will become a public record.
Jurisdiction of IDOI
The IDOI has the authority to regulate (i.e. license, review rates and policies, review financial statements, investigate complaints, conduct examinations and issue orders/penalties) all insurance companies, producers, and HMO's that are licensed to conduct business in Indiana.
Generally, Indiana law does not apply to insurance contracts (or policies) issued in other states. For example, if your policy was issued in Ohio, then Ohio law and not Indiana law applies to your coverage. In these instances, you will need to contact the Regulator in that state for assistance.
In addition, employer self-funded plans also fall outside of the agency's jurisdiction. Self-funded plans are those where your employer pays for your medical expenses, rather than contracting with a health plan to do so. The U.S. Division of Labor regulates self-funded plans, and therefore, has the authority to investigate and resolve complaints against such plans.
The IDOI does not have jurisdiction over federal programs such as the Federal Employee Health Benefit Program (FEHBP), Medicare, Medicaid, HIP, Workers Compensation and Social Security. Please contact the appropriate regulatory authority for additional information on these programs.
Report Fraud
To regulate the insurance industry and cut down on fraudulent activity the IDOI and the NAIC ask that any suspected fraudulent activity regarding insurance brokers, insurance companies, or insurance plans be reported.
If you have been a victim or have witnessed Insurance Fraud, please contact the NAIC.
For information regarding fraudulent insurance activity in Indiana, please contact:
Consumer Services Division
Indiana Department of Insurance
Mail to:
Fax: 317-234-2103
Email: mhiggins@idoi.in.gov