Consumers

What you can appeal 

If you disagree with your Medicare supplement (Medigap) plan's decision on coverage or payment, you can file a complaint with us. We regulate these plans for Washington state. 

Prevent, notice and report Medicare fraud 

Medicare fraud costs about $60 billion a year, raising the cost of health care for everyone and making it harder to get the care you need. Check out these quick tips and be on alert for Medicare fraud, errors and abuse. 

We can help you: 

• Get started with Medicare.
• Compare health care plans.
• Compare prescription drug plans.
• Switch plans during open enrollment.
• Understand a letter you got.
• Save money.

 Our volunteers can also refer you to other agencies or programs that can help.

When an insurance company wants to change its auto or home insurance rates, it must file that change with the Office of the Insurance Commissioner (OIC).

Insurance rates are the base cost of insurance a company charges for the risk of a possible loss, such as a totaled car or storm damage to your home. It’s the basic building block that goes into determining premiums. Insurance companies take their base rate and apply their rating factors to determine your premiums.

Washington state's mandatory liability insurance law, which is under the authority of the Washington State Department of Licensing, requires anyone who drives in our state to do one of the following:

If there’s more than one beneficiary, each person needs to complete a claim form. You’ll need to submit a copy of the death certificate with your claim. Keep copies of all your documents and follow the policy’s claims process for a quick payout. 

What you can expect after filing a claim

To ensure prompt settlements, the insurer must pay you no less than 8% interest starting from the date of death. An additional 3% is payable on claims it doesn't settle within 90 days of when you provided proof of death.