How can we help you?

We know that insurance can be confusing. One of our most important jobs is to help educate North Carolinians about insurance-related issues so you can make informed decisions for you and your family. If you have questions about insurance, need to file a complaint or want to report suspected insurance fraud, we can help.

The North Carolina Department of Insurance aims to respond promptly, clearly and courteously to consumers' insurance-related questions and complaints, assist consumers in resolving those complaints whenever possible, and help consumers understand their options for dealing with insurance-related matters.

The North Carolina Department of Insurance pledges to seek fair treatment of all parties in insurance transactions. We are here to serve you.

*Please Note: If you are a medical/dental provider, DO NOT include any patient identifying information on the Request For Assistance/Complaint form. Such information can be included in any documentation that you attach to this complaint. (NC GS § 58-39)

Online Request Assistance/ File A Complaint

Printable Request Assistance/ File A Complaint Form

We Can:

  1. Forward a copy of your complaint to your insurance company, and require the company to provide a response/explanation.
  2. Review the company's response for compliance with applicable North Carolina statutes, regulations, and policy requirements.
  3. Require the company to take corrective action if we determine that the company's position does not comply with applicable requirements.
  4. Help you understand your insurance policy.
  5. Recommend courses of action that you can take to resolve your problem if we do not have the regulatory authority to resolve it ourselves.
  6. If your situation involves a health plan's noncertification decision (denial based on lack of medical necessity), refer you to the Department of Insurance's Healthcare Review Program (HCR Program), for further guidance.

We Cannot:

  1. Act as your legal representative in or out of court.
  2. Intervene in a pending lawsuit, on your behalf.
  3. Consult with you if you are represented by an attorney, unless we have your attorney's written permission.
  4. Regarding a dispute between you and your insurance company, establish:
    1. Who was negligent or at fault?
    2. The value of a claim or the amount of money owed to you.
    3. The facts surrounding the claim (that is, who is being truthful when there are differing accounts of what happened).
    4. The facts regarding any other disagreement between you and another party.
  5. Address plans or companies that are not subject to the insurance laws of North Carolina, or that are governed by other state agencies.

The North Carolina Department of Insurance pledges to seek fair treatment of all parties in insurance transactions. We are here to serve you.

If you have questions, the Consumer Services Division of the Department of Insurance is here to help.

Toll-free: 855-408-1212

North Carolina Department of Insurance
 1201 Mail Service Center
Raleigh, NC 27699