CONSUMERS

WELCOME FELLOW ARIZONANS!
And others covered under Arizona insurance policies! 


Help with a Problem

Click here to
FILE A COMPLAINT
Click here if you are a citizen or business with an Arizona insurance policy and you believe an insurance company or insurance professional violated Arizona law.  The Department does not have the legal jurisdiction to assist with every type of insurance problem.  Our website will help you determine whether you should file a complaint or take a different approach toward resolving a problem.
Click here for information 
FOR HEALTH CARE PROVIDERS 
Click here if you are a health care provider with a complaint about an insurance company.  Our PROVIDERS web page has information about filing grievances and about Arizona's surprise out-of-network billing dispute resolution process.  
Click here to learn about
HEALTH CARE APPEALS
Click here if your insurance company refused to pay for a health care benefit covered under your health insurance policy.  Your health insurer is required to offer you a health care appeals process.  
Click here to learn about SURPRISE BILLS
Click here to learn about what to do if you receive an unexpected bill from a health care provider.

Help Combat Insurance Fraud

The Insurance Fraud menu provides descriptions of insurance fraud, the impact of fraud on insurance costs, and ways to report fraud.


Other Help Resources



We also have information available to help with

The National Association of Insurance Commissioners (NAIC) has a great resource called "InsureU" where you can learn about various types of insurance and ways to plan and protect yourself.

The NAIC also has a Consumer Tools and Information webpage, which provides information about insurance companies you can use BEFORE purchasing insurance. 


Arizona Laws and Rules

Use the Laws and Rules menu for quick access to Arizona insurance laws and rules.


Enforcement Actions

With the Enforcement Actions menu, you can see whether an insurer or professional you are considering using has been the subject of a disciplinary action by the Arizona Department of Insurance.


Insurance Company Rate, Form/Policy, Rule Filings 

SERFF Filing Access (SFA) is an online service that allows the general public to view form, rate, rule, and health plan binder filings that insurance companies submitted to the Arizona Department of Insurance (“ADOI”) in an electronic format, through the System for Electronic Rate and Form Filing ("SERFF"). 


Note: Some of our documents contain an old web address for the Arizona Department of Insurance. The correct address is https://insurance.az.gov.

Warning - Phishing Scam

We are aware of a phishing scam targeting insurance professionals claiming that the National Association of Insurance Commissioners received a complaint that the professional submitted a falsified claim. This fraudulent email displays the NAIC and CIPR logos, can originate from what appears to be an naic.org or gmail.com email account, and instructs the recipient to click on a link to download the complaint notification.

Certain antivirus products will detect this as a malicious email.  If you receive a similar email and have any concerns, contact the NAIC Service Desk at (816) 783-8500 or [email protected].

Form C-TPC: Third-party Consent

Use this form if you want to designate a person to file a complaint with the Department of Insurance on your behalf.

A Consumer Guide to the Arizona Department of Insurance

Please Provide Your Feedback

Complete a quick and easy survey at https://www.surveymonkey.com/s/adoi_consumer