Washington State Insurance Appeal Laws & Rights

Washington State has strong consumer protections overseen by the Office of the Insurance Commissioner (OIC), including one of the most consumer-friendly external review programs in the nation.

Regulatory Agency

Washington Office of the Insurance Commissioner (OIC)

Phone: 1-800-562-6900
Website: insurance.wa.gov

Key Protections

Independent Review Organization (IRO) for external review
Strong balance billing protections (Balance Billing Protection Act)
Mental health parity enforcement
Network adequacy standards
Telehealth parity
Reproductive healthcare protections

Appeal Timeline
Step Deadline
Internal appeal Per plan terms
IRO review 180 days from final denial
| OIC complaint | File at any time |

Step	Deadline
Internal appeal	Per plan terms
IRO review	180 days from final denial

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Frequently Asked Questions

How do I file a health insurance complaint in Washington?

Contact the Washington Office of the Insurance Commissioner at 1-800-562-6900 or file at insurance.wa.gov. They handle complaints, assist with appeals, and oversee external review.