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  • Insurance Resources
    • A consumer's insurance glossary
    • Annuities
      • Annuity payout options
      • Learn how annuities work
      • The cost of annuities
      • What to consider before buying or changing an annuity policy
    • Auto insurance
      • Auto insurance claims
        • Filing an auto insurance claim
        • How insurers calculate taxes and fees when your car is totaled
        • What happens after your car gets totaled
        • What to do if you’re hit by an uninsured or underinsured driver
      • Credit and insurance
        • Credit freezes and insurance
        • Credit scores and insurance
        • Facts about the credit scoring ban rule
        • CLUE (Comprehensive Loss Underwriting Exchange)
      • Learn how auto insurance works
        • Auto coverage for home health care workers and volunteers
        • Extended warranties and service contracts
        • Gap insurance
        • Gig workers and delivery drivers
        • How insurance companies set auto premiums
        • Learn about auto insurance
        • Personal injury protection (PIP)
        • Usage-based insurance
        • What if I can't find auto coverage?
        • How we review auto and homeowner rates
        • Washington state's mandatory auto/motorcycle insurance law
    • Boat/marine insurance
    • Business insurance
      • Insurance and your home business
      • Learn how business insurance works
      • What you need to know about self-insured business claims
    • Choosing an insurance agent or broker
    • Credit insurance
    • Crop insurance
    • Dental insurance
    • Extended warranties and service contracts
    • Gig workers and delivery drivers
    • Health insurance
      • Appealing a health insurance denial
        • Appeals information for Medicare and plans we don't regulate
        • Common reasons for a denial and examples of appeal letters
        • How to appeal a health insurance denial
        • Identify your type of insurance coverage
      • For medical providers
        • How to help patients who receive a health plan denial
        • Mental health and substance use disorder parity for providers
        • Types of insurance mental health parity covers and who enforces it
        • What medical providers need to know about health insurance
        • What medical providers need to know about offering discounts
      • Health insurance coverage
        • Association health plans
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        • Out-of-pocket costs
        • Small business owners
        • Specific disease or disability
        • The Washington State Health Insurance Pool (WSHIP)
        • Tribal members
        • Veterans
        • Vision and hearing programs
        • What to do if you lose health coverage
        • What you need to know about medical provider networks
        • What you need to know about short-term medical plans
        • When you can buy an individual health plan
        • Who to contact for issues with your employer health plan
      • How health insurance works
        • Benefits health plans must cover under Washington state law
        • Coverage for abortion services
        • Gender-affirming medical coverage rights
        • Getting your health plan to cover your prescription drug
        • Health information and your privacy
        • How my premiums are determined
        • How we review health rates
        • How your health insurance claims process works
        • Insurance and reconstructive breast surgery
        • Learn how health insurance works
        • Mental health parity
        • Patient Bill of Rights
        • Reproductive and birth control health rights
        • What consumers need to know about surprise or balance billing
        • What health insurance plans must cover
        • When health insurers can ask you about your health
        • Women's health insurance rights
        • Your rights to see a medical provider
      • Mental health and substance use disorders
        • Appealing a behavioral health treatment or service denial
        • How to get help with behavioral health
        • Your coverage rights for behavioral health issues
    • Home insurance
      • Insurance for natural disasters
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        • Wildfires and homeowner insurance
        • Winter weather and insurance coverage
      • Learn how home insurance works
        • Title insurance
        • Domestic abuse and insurance
        • Filing a homeowner insurance claim
        • How insurance companies set homeowner rates
        • How renter insurance works
        • Insurance tips for homeowners
        • Leaks, water intrusion and mold
        • Learn how condo insurance works
        • Learn how homeowner insurance works
        • Lender-placed insurance
        • Private mortgage insurance (PMI)
        • What to consider when buying renter insurance
        • What to do when changing homeowner policies
    • How does my insurance company rate?
    • Life insurance
      • Filing a life insurance claim
      • Funeral insurance
      • How to find an old life insurance policy
      • Learn how life insurance works
      • Types of cash value life insurance
      • Who can take out a life insurance policy on children?
    • Long-term care
      • Long-term care insurance companies approved to sell in Washington state
      • Long-term care insurance rate increases
      • Order our long-term care options workbook
      • Penn Treaty liquidation
      • Washington state Long-Term Care Partnership Program
      • What qualifies as long-term care insurance
    • Medicare
      • Get free Medicare help from SHIBA
        • How we can help you with Medicare
        • Appealing a Medicare coverage or payment decision
        • Get free, unbiased Medicare help from the Washington SHIBA program
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        • Find Medicare counseling and events in your area
      • Volunteer opportunities
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        • How to become a SHIBA volunteer
      • Report Medicare fraud
        • How to identify and report Medicare fraud and abuse
        • Report Medicare fraud to SHIBA
      • Learn about Medicare
        • 2025 Medicare Advantage plans
        • Browse 2025 Medicare Advantage and Special Needs Plans (SNPs)
        • Compare Medigap and Medicare Advantage plans
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        • Medicare drug coverage (Part D)
        • Medigap (Medicare Supplement) plan coverage and costs
        • When can I sign up for Medicare?
        • Need help paying for Medicare?
        • What to expect after you sign up for Medicare
        • Losing Apple Health (Medicaid) coverage
        • Medicare options for people with disabilities
    • Natural disasters
    • Order consumer publications
    • Pet insurance
    • Surplus line insurance
    • Title insurance
    • Travel insurance
    • What's a Guaranty Association and how does it work?
  • Complaints, Appeals & Fraud
    • Complaints
      • File a complaint or check your complaint status
      • Help for medical providers filing a complaint
      • How we can help you with your complaint
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      • Understanding the complaint process
      • Contacting us gets results
    • Appeals
      • Appealing a health insurance denial
      • Appealing a behavioral health treatment or service denial
      • Appealing a Medicare coverage or payment decision
      • Small pharmacy reimbursement appeals
    • Fraud
      • Criminal Investigations Unit (CIU)
        • About the Criminal Investigations Unit (CIU)
        • Criminal Investigations Unit advisory board members
        • Criminal Investigations Unit speaker request form
      • Report insurance fraud
        • Report insurance fraud form
      • Report Medicare fraud
  • Producers & Adjusters
    • Education
      • Continuing education (CE)
        • Continuing education (CE) providers
        • Continuing education requirements
        • Find your education history
      • First-time license
        • Adjuster pre-licensing experience (PLE)
        • Exam pass rates
        • How to schedule an insurance license exam
        • Producers pre-licensing education (PLE)
      • Product-specific education requirements
        • Annuity suitability training
        • Flood insurance training
        • Long-term care (LTC) training
      • Continuing education (CE) - for providers
        • Become a continuing education (CE) provider
        • CE procedures and records
        • Classroom courses
        • Self-study courses
        • Submit a CE course roster
        • Webinar courses
      • Pre-licensing education (PLE) - for providers
    • Laws and rules affecting licensees and providers
      • Ask a question or submit a petition for expungement under HB 1266
      • New laws and rules
      • Changes to adjuster definition, emergency registration and CE requirements
    • Licensing compliance & financial examinations
      • Records retention
      • Business-entity licensees - complying with other Washington state agencies
      • Separate premium accounts
        • Agency bill accounts
        • General requirements
        • Recordkeeping
        • Separate premium account shortages
      • Bonds
      • Title agents
        • Title agent reporting requirements
        • Title escrow rate filing requirements
        • Title inducements rules summary
        • Title agent referral compensation and fees
      • Compensation and disclosure
        • Referral compensation and fees
        • Compensation
        • Disclosure
        • Compensation disclosure form
      • Court certification letters
      • Financial examinations
      • Lead cards and mailing lists
      • Licensing and education forms
      • Promotional games of chance
      • Rebating and illegal inducements
      • Compliance tips for new licensees
    • Licensing
      • Do you need a license?
      • Get licensed
        • Adjuster - crop, independent or public
          • Determine which type of crop losses you will be adjusting
        • Fingerprint requirements
        • If you have a criminal offense
        • Life settlement broker
        • Producer and adjuster licensing fees
        • Producer license (full and limited lines)
        • Surplus line broker
        • Travel insurance license requirements
        • Managing general agents (MGA) and third-party administrators (TPA)
        • Designated responsible licensed person (DRLP)
        • Premium finance companies
        • Rental car agent
        • Self-service storage
        • Specialty producer - portable electronics
        • Title agent
      • Renew or reinstate your license
      • Business entities can apply for a new license or renew an existing license through NIPR
      • Make changes to your license
        • Producer and adjuster licensing fees
        • Adding and changing lines of authority
        • Adding and removing business-entity affiliations
        • Change or correct your name, DBA, address and other information
        • Upgrade, downgrade or cancel your producer license
      • You're moving
      • Certification and clearance letters
      • Compliance tips for new licensees
      • Print your license
      • Licensee login help
    • Producer advisory committees
    • Surplus line broker reporting and tax requirements
  • Insurers & Regulated Entities
    • Company registration and renewal
      • Biographical affidavit
      • Company registration and renewal for captive insurers
      • Company registration and renewal for charitable gift annuities
      • Company registration and renewal for direct primary health care practices
      • Company registration and renewal for discount plan organizations
      • Company registration and renewal for health care benefit managers
      • Company registration and renewal for life settlement providers
      • Company registration and renewal for reinsurance intermediaries
      • Company registration and renewal for reinsurers
      • Company registration and renewal for risk retention and purchasing groups
      • Company registration and renewal for service contract providers
      • Health carrier admissions
      • Property and casualty, life, disability and title company admissions
    • Data calls and reporting
      • Security breach notification requirements
        • Security breach notification contact form
      • Special data calls and surveys
      • Special liability report instructions, forms and historical data
      • Statistical reporting for property and casualty insurers
      • Survey for fixed payment policies
      • Title insurer data reporting requirements for direct underwriters
    • Financial information filing
      • 2025 financial information filing checklists
      • Approval for permitted accounting practices
      • Financial filing requirements for charitable gift annuities
      • Financial filing requirements for discount plan organizations
      • Financial filing requirements for fraternal benefit societies
      • Financial filing requirements for health care benefit managers
      • Financial filing requirements for health care service contractors
      • Financial filing requirements for health maintenance organizations
      • Financial filing requirements for life settlement providers
      • Financial filing requirements for life, accident and health insurers
      • Financial filing requirements for multi-employer welfare associations
      • Financial filing requirements for property and casualty insurers
      • Financial filing requirements for risk retention groups
      • Financial filing requirements for service contract providers
      • Financial filing requirements for surplus line brokers
      • Financial filing requirements for title companies
      • Washington State Health Insurance Pool (WSHIP) assessment report
    • Independent review process
    • Laws and rules for insurers
      • Health insurer responsibilities under the Balance Billing Protection Act
      • Technical assistance advisories and emergency orders
      • New laws and rules
    • Market conduct and oversight
      • Anti-fraud plan guidelines
      • Attestation for health care transparency
      • Long-term care annual reports
      • Companies in receivership
      • Designated statistical agents in Washington state
      • Insurer mergers and acquisitions
      • Market Conduct Annual Statement (MCAS) instructions
      • Market Conduct Oversight's required annual reporting
        • Survey for fixed payment policies
      • Market Conduct exam reports
    • Premium taxes and surcharges
      • Fraud and regulatory surcharges
        • Calculating fraud and regulatory surcharges
        • Collecting fraud and regulatory surcharges from policyholders
        • Understanding and applying the fraud and regulatory surcharges
      • Premium taxes
        • Premium tax filing for captive insurers 2021
        • Premium tax filing for captive insurers 2022
        • Premium tax filing for captive insurers 2023
        • Premium tax filing for captive insurers 2024
        • Premium tax filing for health companies 2018
        • Premium tax filing for property and casualty companies 2019
        • Premium tax filing for property and casualty companies 2020
        • Premium tax filing for property and casualty companies 2021
        • Premium tax filing for property and casualty companies 2022
        • Premium tax filing for property and casualty companies 2023
        • Premium tax filing for property and casualty companies 2024
        • Premium tax filing for purchasing groups 2019
        • Premium tax filing for purchasing groups 2020
        • Premium tax filing for purchasing groups 2021
        • Premium tax filing for purchasing groups 2022
        • Premium tax filing for purchasing groups 2023
        • Premium tax filing for purchasing groups 2024
        • Premium tax filing for reinsurers 2019
        • Premium tax filing for reinsurers 2020
        • Premium tax filing for reinsurers 2021
        • Premium tax filing for reinsurers 2022
        • Premium tax filing for reinsurers 2023
        • Premium tax filing for reinsurers 2024
        • Premium tax filing for title companies 2019
        • Premium tax filing for title companies 2020
        • Premium tax filing for title companies 2021
        • Premium tax filing for title companies 2022
        • Premium tax filing for title companies 2023
        • Premium tax filing for title companies 2024
        • Premium tax filing instructions for health companies 2019
        • Premium tax filing instructions for health companies 2020
        • Premium tax filing instructions for health companies 2021
        • Premium tax filing instructions for health companies 2022
        • Premium tax filing instructions for health companies 2023
        • Premium tax filing instructions for health companies 2024
        • Premium tax filing instructions for life and disability companies 2019
        • Premium tax filing instructions for life and disability companies 2020
        • Premium tax filing instructions for life and disability companies 2021
        • Premium tax filing instructions for life and disability companies 2022
        • Premium tax filing instructions for life and disability companies 2023
        • Premium tax filing instructions for life and disability companies 2024
        • Premium tax filing instructions for risk retention groups 2019
        • Premium tax filing instructions for risk retention groups 2020
        • Premium tax filing instructions for risk retention groups 2021
        • Premium tax filing instructions for risk retention groups 2022
        • Premium tax filing instructions for risk retention groups 2023
        • Premium tax filing instructions for risk retention groups 2024
        • Premium tax filing instructions for surplus line brokers 2019
        • Premium tax filing instructions for surplus line brokers 2020
        • Premium tax filing instructions for surplus line brokers 2021
        • Premium tax filing instructions for surplus line brokers 2022
        • Premium tax filing instructions for surplus line brokers 2023
        • Premium tax filing instructions for surplus line brokers 2024
        • Reinsurers - 2018 premium tax filing instructions
        • Risk retention groups - 2018 premium tax filing instructions
      • Payment options
    • Rate and form filing
      • Accidental death and dismemberment, disability income filing requirements
      • Binder speed to market tools for health and disability
      • Discontinuation and renewals for health plan year 2025
        • Submit a discontinuation and renewal cover letter
      • Form filing speed to market tools for health and disability
      • Health coverage rate and form filing instructions
      • Life and disability credit actuarial memo requirements
      • Life and disability credit insurance filing requirements
      • Life illustration certification filing instructions
      • Life insurance rate and form filing requirements
      • Long-term care actuarial memo requirements
      • Long-term care partnership program requirements
      • Mapping hierarchy for Washington state health and dental plans
      • Medicare Supplement filing requirements
      • Motor vehicle service contracts rate and form filing requirements
      • Network access filing
      • Property and casualty rate and form filing instructions
      • Rate filing speed to market tools for health, life and disability
      • Rate filing speed to market tools for property and casualty companies
      • SERFF guidelines
      • Search company filings with SERFF Filing Access
      • Terrorism Risk Insurance Extension (TRIA)
      • Title insurance rate and form filing requirements
  • Laws & Rules
    • Administrative hearings
      • About administrative hearings
      • Balance Billing Protection Act arbitration
        • Approved balance billing arbitrators
        • Arbitration and using the Balance Billing data set
        • Arbitration initiation request form - Appendix A
        • Arbitrator decision reporting form - Appendix B
        • Arbitrator decision reporting form for arbitration proceedings under RCW 48.49.135 - Appendix C
        • Balance billing arbitrator application
        • Contact the arbitration team
        • How to apply to be an arbitrator
        • How to report a final decision under the Balance Billing Protection Act (Appendix B and C)
        • How to report a settlement under the Balance Billing Protection Act (Appendix D)
        • How to start arbitration under the Balance Billing Protection Act (Appendix A)
      • How to file a demand for hearing
      • Preparing for your hearing
      • Small pharmacy reimbursement appeals
        • About small pharmacy reimbursement appeals
        • Filing a small pharmacy reimbursement appeal
        • Request a hearing or review for a small pharmacy reimbursement appeal
          • Small Pharmacy Appeal of Determination by Pharmacy Benefit Manager
        • Reviewing decisions about small pharmacy reimbursement appeals
    • Insurance Fair Conduct Act (IFCA)
    • Legislation and rulemaking
      • 2025 legislative priorities
      • Legislative committees and work groups
        • 1688 Behavioral health crisis services work group
          • About 1688 behavioral health crisis services
          • Carriers, BH-ASOs, agencies and facilities
          • Covered services and billing
          • Mobile crisis response: policy and operations
          • Policy and operational recommendations
        • Adult family home liability market study work group
        • Behavioral health services federal grant
          • Behavioral health services federal grant overview
          • Contact the Behavioral Health Services Grant Team
          • Mental health service cost and use trends
        • Community-based health providers working in a carceral setting liability market study work group
        • Essential health benefits benchmark plan
        • Ground ambulance advisory group
        • Housing providers using housing trust fund insurance market study work group
        • Palliative care benefit work group
      • Rulemaking
      • Technical assistance advisories
      • Understanding the rulemaking process
    • Service of legal process (SOP)
  • About Us
    • About Patty Kuderer
    • Accessibility
    • Careers
    • Contact us
    • Contracting opportunities
      • About the contracting process
      • Current contracting opportunities
        • S2502 Property & Casualty Market Report on Feasibility of Joint Underwriting Association for Childcare Services
      • Interagency agreements
      • Vendor procurement complaints
    • Current initiatives
      • Climate change and your insurance
        • How climate change affects your insurance
        • Wildfire Symposium
      • Health care cost trends
      • Legislation and rulemaking
      • Premium increase transparency
        • Insurers need to explain premium increases
        • Requirements for insurers premium change transparency rule
        • Premium change transparency (R 2024-07)
        • Premium change transparency (R 2022-01)
      • Protections from surprise medical billing
        • What consumers need to know about surprise or balance billing
        • Ground ambulance services and surprise billing
        • HIPAA transaction usage requirements
        • Health insurer responsibilities under the Balance Billing Protection Act
        • Medical providers responsibilities
        • Self-funded group health plan opt-in form/attestation
        • Self-funded group health plans and surprise billing
      • Restitution
    • Diversity, equity & inclusion
    • Invite the commissioner to speak at your event
    • Language assistance services
      • Get help with language assistance services
      • Chúng tôi có thể giúp quý vị như thế nào
      • Cómo podemos ayudarlo
      • Kumuha ng tulong sa insurance sa Tagalog
      • Sideen ku caawin karnaa?
      • Как мы можем вам помочь
      • Отримайте допомогу українською мовою
      • ਅਸੀਂ ਤੁਹਾਡੀ ਮਦਦ ਕਿਵੇਂ ਕਰ ਸਕਦੇ ਹਾਂ?
      • ទទួលជំនួយផ្នែកធានារ៉ាប់រងជា ភាសាខ្មែរ
      • 我們如何提供支援服務
      • 日本語 での保険サポート
      • 服务支持
      • 이렇게 도와드립니다
    • News
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