Rhode Island Insurance Appeal Laws & Rights

The Rhode Island Department of Business Regulation oversees insurance and provides consumer protections, including a robust external review process.

Regulatory Agency

Rhode Island Department of Business Regulation – Insurance Division
  • Phone: 1-401-462-9520
  • Website: dbr.ri.gov/insurance

Key Protections

  • External review program for denied health claims
  • Consumer complaint and investigation services
  • Insurance marketplace protections (HealthSource RI)
  • Mental health parity enforcement

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Frequently Asked Questions

How do I appeal an insurance denial in Rhode Island?

File an internal appeal with your insurer. If denied, contact the RI Insurance Division at 1-401-462-9520 or dbr.ri.gov/insurance for external review options.

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