New Mexico insurance appeal rights

The New Mexico Office of Superintendent of Insurance (OSI) regulates state-licensed commercial appeals and administers external review.

Internal appeal rights

Internal appeal: 180 days. Response 30 days standard, 72 hours urgent.

External review

New Mexico external review through state-certified IROs is available after final internal denial; the IRO decision binds the carrier.

NM regulator

New Mexico Office of Superintendent of Insurance (OSI). official site

Notable

OSI Consumer Assistance: 855-427-5674.
New Mexico has comprehensive behavioral health parity enforcement.

Filed a denial in New Mexico?

We work under NM rules and structure the appeal under the strongest available state and federal protections.

Start Your Appeal

State law information is provided for general guidance and is not legal advice. Confirm with your state regulator or a licensed attorney for your specific case.