The Division can assist you with policies purchased in the state of Florida. If your policy was purchased in another state, you need to contact the insurance office where your policy was purchased. Click on the NAIC logo to find the issuing state’s contact information.
Incomplete submissions will cause delays. Before you submit your concern, review all four sections below and follow the steps to properly submit your insurance concern.
Before submitting your concern, please contact the insurance company and allow them the opportunity to resolve your issue. Most issues can be resolved within 30 days.
If you are unable to resolve your concern with the insurance company or are not satisfied with their response, please proceed to Step 2.
The Division can help you with insurance concerns involving companies that issue policies within Florida that include property and casualty, health, life, annuity, disability, long-term care, warranties, bail bonds, and title insurance companies. We can also assist you with issues concerning agents and agencies. Examples include:
The Division is unable to assist with:
Large Employer Health Plans
If your employer's headquarters are not located in the State of Florida, contact the U.S. Department of Labor who regulates employer self-funded health plans: https://www.dol.gov/agencies/ebsa/about-ebsa/ask-a-question/ask-ebsa or 866-444-3272.
Medicare Advantage Plans
The Centers for Medicare and Medicaid Services (CMS) has jurisdiction over the Medicare program: https://www.medicare.gov/talk-to-someone
Medicaid
Florida Agency for Health Care Administration (AHCA) offers local liaisons to providers and recipients. They handle claims resolution, training, transportation, and manage Child Health Check-Up screenings on a local level: https://ahca.myflorida.com/medicaid/ or 850-412-4000.
Florida Healthy Kids
Complaints regarding a provider of service, the insurance company or HMO, enrollment, cancellation, underwriting, or other issues that involve the FHK administrative office should be referred to customer service at 800-821-KIDS (5437) or www.healthykids.org.
Policies Purchased in Another State
If your issue does not involve an insurance policy purchased in Florida, please contact the appropriate state's insurance office.
To help ensure that we receive all necessary information to investigate your submission, please provide us with the following:
Public Record Notice: Under Section 119.011(12) Florida Statutes, Public Records are all documents, papers, letters, maps, books, tapes, audio and video tapes, photographs, films, sound recordings, data processing software, or other material regardless of physical form, characteristics, or means of transmission, made or received pursuant to law or ordinance or in connection with the transaction of official business by the Department, which are used to perpetuate, communicate or formalize knowledge. https://myfloridacfo.com/publicrecords
Once you have gathered the required materials and documentation, you are ready to submit your concern. Select by clicking the "Online Insurance Assistance" link under the "Submit an Insurance Concern Online" section below.
After you've reviewed the sections above you are now ready to submit your concern.
SUBMIT AN INSURANCE CONCERN ONLINE Submit a concern related to insurance products, including bonds, warranties and annuities, online by visiting our Online Insurance Assistance homepage. The request is assigned to an insurance specialist to provide necessary assistance.
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