A. Make Sure Your Complaint Is Eligible
The Georgia Consumer Services Division does not have jurisdiction over the following plans:
- Self-insured employers and health and welfare benefit plans – Many large employers provide health benefits for their employees through self-insured plans. Although self-insured plans are frequently administered by an insurance company, the employer (not the insurance company) bears the risk for paying claims. Federal law exempts self-insured employer plans from state insurance regulation. The same is true of health and welfare benefit plans (i.e., union plans).
- Federal Employees' health and life insurance
- Medicare HMOs
- Military Insurance
- Medicare
- Medicaid
- State of Georgia Employee’s Health Plan
- University System of Georgia
- Policies purchased in another state
- Note: HMO policies may be an exception. If you are covered by an HMO, please call our offices for assistance; you can find our contact information at the bottom of this page.
B. Gather What You’ll Need
To help ensure that we receive all necessary information to investigate your complaint, please provide us with the following:
- Your contact information (name, address, telephone number, and email address)
- The exact name of the insurance company
- The full name of any agent or adjuster who may be involved
- Your policy number
- Your claim number and the date of your loss, if applicable
- A copy of both sides of your insurance card
- A concise description of your problem
- Copies (not the originals) of all supporting documentation, including invoices, canceled checks, advertising materials, and any letters between you and the company or agent, etc.
C. File Your Complaint
You may file a complaint with us if you are unable to resolve your dispute with the insurance company or aren’t satisfied with how they responded to your claim.
Processing and response times are faster through the Georgia Consumer Complaint Portal.
There are two ways to file your complaint. The most efficient and quickest process is the Online Consumer Complaint Portal. The submission using the form is a slower and more time consuming process.
Only submit your complaint once. When multiple copies are submitted, it delays the process.