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:

• Coverage Issues
• Claim Disputes
• Premium Issues
• Policy Cancellations or Non-Renewals
• Refunds
• Sales Misrepresentations

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.

• Contact the insurance company or agent/agency and require them to provide an explanation for their actions. By statute, insurance companies/agencies have 14 days to respond to the Department once an insurance concern has been filed. We strive to resolve the issue within 30 days.
• Review the company's response to make sure they followed Florida Statutes and Administrative Code.
• Help you understand your insurance policy.
• Recommend places you can go for help if we don't have the legal right to resolve it.

• Provide you with legal advice.
• Make medical judgments or determine who is at fault.
• We cannot determine a question of fact.
• Determine the value of a claim, the amount owed to you, or act as your adjuster.
• Compel a company to pay a claim, refund a premium, reinstate and/or issue a policy (if they have not violated any law, rule or policy provision).