Colorado Insurance Appeal Laws & Rights

Colorado's Division of Insurance (within DORA) provides strong consumer protections including external review, surprise billing protections, and progressive healthcare coverage requirements.

Regulatory Agency

Colorado Division of Insurance (DOI)

Phone: 1-800-930-3745
Website: doi.colorado.gov

Key Protections

External review for medical necessity denials
Surprise billing protections (HB 19-1174)
Colorado Option public health plan
Mental health parity enforcement
Network adequacy standards
Step therapy reform protections

Appeal Timeline
Step Deadline
Internal appeal Per plan terms
External review 4 months from final denial
| DOI complaint | File at any time |

Step	Deadline
Internal appeal	Per plan terms
External review	4 months from final denial

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Frequently Asked Questions

How do I appeal an insurance denial in Colorado?

File an internal appeal with your insurer first. If denied, request external review through the Colorado Division of Insurance at 1-800-930-3745 or doi.colorado.gov within 4 months of the final denial.