Office of Insurance and Safety Fire CommissionerRalph T. Hudgens
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Consumer Services Division
2 Martin Luther King, Jr. Drive
West Tower, Suite 716
Atlanta, Georgia 30334

Telephone: 404-656-2070
Toll Free: 800-656-2298
Between 8:00 AM and 7:00 PM

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Health Insurance

 Just as most consumers purchase insurance on the their autos and homes to protect their property and themselves in the case of an accident; many individuals, likewise, insure themselves and their families against unforeseen expenses arising from illness, injury or accidents.

Today, with health care costs rising dramatically each year, even relatively simple medical procedures can run into the thousands of dollars. However, it is not just the cost of medical care that is rising. The variety of care available is also increasing.

In order to reduce the risk of unexpected health care costs, private health insurance companies now offer an array of health insurance programs and plans, that vary widely in terms of coverage, costs and benefits.

The Consumer Services Division is the investigative arm of the Department of Insurance and attempts to ensure fair and equitable dealings between insurers, agents, and policyholders regarding all insurance transactions. This division receives all complaints against agents or insurers. Action by this division can be instigated by a written complaint, a personal visit to the Atlanta office, or a meeting with one of the division’s field insurance investigators who travel throughout the state. Any inquiry that requires additional information or that appears to be a valid complaint is made into an investigation file. The file is then assigned to an insurance investigator qualified to conduct the particular type of investigation involved. The investigator gathers all available data necessary to properly analyze and evaluate the problem or claim. The division frequently holds an informal conference between complainants and company adjusters, agents, or underwriters regarding the problem in question. These conferences often bring about an amiable settlement. The division takes calls Monday through Friday from 8 a.m. to 7 p.m.

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