• File a Complaint

What does the Office of Superintendent of Insurance do?

We ensure compliance of Insurance Statutes and Regulations under the New Mexico Insurance Code by all Insurance Companies, Agents, Adjusters, Third Party Administrators, and other insurance industry staff operating within the State.

We provide consumers and the insurance company staff members with information regarding the policies and procedures involving insurance within New Mexico.

In assisting consumers, the Consumer Assistance Bureau accepts complaints who are having difficulty in dealing with insurance companies regarding policy applications, binding of policies, claim handling and other matters involving insurance.

Before filing a complaint 

  • Contact your insurance company and request an explanation.  
  • Make sure you have provided all information requested by the company.  
  • If you are concerned about the handling of a health insurance claim, ask what appeal and grievance procedures are available to you. (Add MHC content) 

If you are not satisfied with the company’s response to your concerns, you may consider filing a complaint.  Be prepared to summarize your complaint, so people who are not familiar with your issue will be able to understand. 

What the Superintendent of Insurance cannot do: 

  • Order the company to pay your claim or refund premium  
  • Decide who was at fault in an accident 
  • Act as a court of law or provide legal advice  
  • Recommend an agent, company, or products 
  • Identify an insurance company with whom a particular person may hold a policy 
  • Establish the facts surrounding a claim (for example: who is being truthful when there are conflicting reports of a situation) 
  • Determine the cause of loss, the value of a claim, the amount owed to you, or act as your adjuster 
  • Address issues the Department can’t legally enforce 


The Managed Health Care Bureau will investigate this complaint to determine if there are any violations of the New Mexico Insurance Code, Managed Health Care Rule or insurance policy language.

“Pharmacy Benefits Manager” means a person or a wholly or partially owned or controlled subsidiary of a person that provides claims administration, benefit design and management, pharmacy network management, negotiation and administration of product discounts, rebates and other benefits accruing to the pharmacy benefits manager or other prescription drug or device services to third parties, but “pharmacy benefits manager” does not include licensed health care facilities, pharmacies, licensed health care professionals, health insurers, unions, health maintenance organizations, Medicare advantage plans or prescription drug plans when providing formulary services to their patients, employees, members or beneficiaries.

The New Mexico Office of Superintendent of Insurance investigates health care provider complaints filed against health care insurers such as health maintenance organizations, individual health plans, group and blanket plans, provider service networks, non-profit healthcare plans, and third-party payers or their agents that provide, offer or administer health benefit plans subject to the insurance laws and regulations of this state. The Superintendent can assist with grievances regarding provider termination, discrimination, credentialing, timely payment of claims and other provider concerns in regards to the operations of the health insurer or plan.

If you believe a person in New Mexico is trying to cheat or commit fraud against an insurer or agent, you should report insurance fraud to our office. Common reasons to file an insurance fraud report include: 

  • Falsely reporting a stolen vehicle or property  
  • Filing claims with multiple companies, sometimes known as double-dipping 
  • Medical insurance fraud including billing for services not rendered

Title Insurance Bureau processes all complaints involving Title Insurance in New Mexico.

Submit all other generic questions, concerns, and complaints here:

Recent News

Get the latest information about rule changes, legislation, industry information and consumer news.

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SAFETY FIRST: MECHANICAL, TOOL AND YARD MAINTENCE FIREPREVENTION TIPS TO PRACTICE DURING WILDFIRE AWARENESS MONTH

Contact: Elouisa Tyler, Consumer Assistance Bureau ChiefEmail: Elouisa.Tyler@osi.nm.gov SANTA FE, N.M. – As of April 2026, many regions across New Mexico are under active fire restrictions due to high-risk seasonal conditions. With “hot work” – including welding, grinding, and metal cutting – identified as a primary cause of human-started wildfires, the Office of the Superintendent […]

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THE OFFICE OF THE SUPERINTENDENT OF INSURANCE KICKS OFF WILDFIREAWARENESS MONTH

Contact: Elouisa Tyler, Consumer Assistance Bureau ChiefEmail: Elouisa.Tyler@osi.nm.gov SANTA FE, N.M – The Office of the Superintendent of Insurance (OSI) is kicking off Wildfire Awareness Month this week, emphasizing the importance of preparedness, prevention, and community engagement across the state. During spring and summer months of heightened wildfire awareness, OSI is reminding the public to […]

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