Protecting and assisting Ohio insurance consumers

By Judith L. French

Ohio Department of Insurance Director

COLUMBUS — The Ohio Department of Insurance plays a vital role in protecting consumers and supporting a fair, stable insurance marketplace. Whether someone has a question about coverage, needs help understanding a policy, or is unsure where to turn with an insurance concern, we provide free, objective assistance to help Ohioans make informed decisions.

At the center of this mission is our Consumer Services team, knowledgeable professionals who guide residents through a wide range of insurance issues. They answer questions, investigate complaints, and help consumers understand their rights when they encounter coverage and claim concerns or other insurance problems.

When a complaint is filed, Consumer Services communicates directly with the insurer to gather information and review the company’s explanation. The team carefully evaluates whether the insurer’s actions comply with the law, administrative rules, and the terms of the policy before offering a clear, thorough response to the consumer.

Consumer Services also administers Ohio’s external review process, which gives individuals an independent and impartial opportunity to challenge certain denied or reduced health benefits. Alongside this work, we monitor insurers to ensure they follow the law and uphold fair practices across the marketplace.

Ohioans are encouraged to explore the educational insurance materials available at insurance.ohio.gov and to contact us at 800-686-1526 for assistance. We are here to help and remain committed to serving and protecting insurance consumers throughout the state.