Student To Professional: Dora Insurance Switch

The Department of Regulatory Agencies (DORA) is the state of Colorado's umbrella regulatory agency. It is responsible for managing licensing and registration for multiple professions and businesses, implementing balanced regulation for Colorado industries, and protecting consumers. DORA's Division of Insurance can help answer your insurance questions, investigate complaints, and help you understand your insurance policy. You can contact them by phone at 303-894-7490 or 800-930-3745 if you are outside the Denver Metro area, or visit their website to ask a question or make a complaint.

Understanding the role of the Department of Regulatory Agencies (DORA)

The Department of Regulatory Agencies (DORA) is a principal executive department of the Colorado state government. It is an umbrella regulatory agency with a mission to protect consumers and serve the public through responsible regulation and the vigorous and fair enforcement of Colorado law. DORA is responsible for managing licensing and registration for multiple professions and businesses, implementing balanced regulation for Colorado industries, and protecting consumers.

DORA is composed of nine divisions and more than 40 boards, commissions, and advisory committees. These include the Executive Director's Office, the Office of Policy, Research & Regulatory Reform, the Division of Civil Rights, the Division of Financial Services, the Division of Insurance, the Division of Professions and Occupations, the Division of Real Estate, the Division of Securities, and the Office of Consumer Counsel. DORA also includes the Public Utilities Commission, which was created in 1913.

DORA's responsibilities include conducting business examinations and inspections, taking complaints and conducting investigations, representing consumer interests, and conducting education and outreach. The department is responsible for over 50 regulatory programs governing professions, occupations, and businesses, comprising over 886,000 individual licensees and approximately 65,000 businesses and institutions. DORA's staff of over 600 employees are dedicated to preserving the integrity of the Colorado marketplace and promoting a fair and competitive business environment.

DORA offers a range of services to the public, including applying for or renewing a license or permit, finding a board or program, scheduling an appointment, checking a business or professional license, and filing a complaint. DORA also provides COVID-19 updates for licensees and consumers and offers career opportunities for those interested in joining the department.

Contacting DORA's Division of Insurance

The Colorado Division of Insurance (DOI) is the regulatory body for the insurance industry in Colorado. The DOI helps consumers by answering their questions, investigating their complaints, and helping them understand their insurance. The division also regulates and monitors insurance companies, insurance agents, and the bail bond industry to ensure compliance with the law.

You can contact the DOI via phone, mail, email, fax, chat, or by visiting their website and online systems. Here are the details:

Phone

• For questions about your insurance or insurance options, contact the Consumer Services Team at 303-894-7490 or 800-930-3745 if you are outside the Denver Metro area. Their working hours are Monday to Friday, 8:00 a.m. to 5:00 p.m.
• For general questions or other inquiries, call 303-894-7499 or 1-800-930-3745.

Email

• For non-sensitive information, you can send a non-encrypted email to the Division of Insurance at [email protected].
• If you need to send sensitive information, such as social security numbers, medical records, or other personal information, you can send an encrypted email by following the instructions on the DORA website.

Online

• Visit the DORA website at www.dora.colorado.gov/insurance for more information and resources.
• You can also submit your questions or complaints through the Consumer Portal on the website. You will need to create an account and log in to submit and track your inquiries.

Address

Division of Insurance, Colorado Department of Regulatory Agencies, 1560 Broadway, Suite 850, Denver, CO 80202.

In-Person

Schedule an appointment with the DORA office or walk in during department business hours.

Navigating insurance

To make informed decisions about your healthcare, ask questions. Inquire about treatments, procedures, and prescriptions, as the choices you make can impact not only your own insurance costs but also those of others. Being a smart healthcare consumer can benefit you financially and empower you to select the most suitable and cost-effective options. If you need further clarification or have specific queries, don't hesitate to contact the Colorado Department of Regulatory Agencies (DORA), which includes the Division of Insurance. They are equipped to answer your insurance questions and address any concerns or complaints you may have. You can reach them by phone at 303-894-7490 or 800-930-3745 if you're outside the Denver Metro area, or visit their website to ask a question or file a complaint.

Additionally, you can take advantage of online resources such as the CO Health Professional Check to learn more about your healthcare professionals. This tool allows you to search for profile information, providing valuable insights into the qualifications and backgrounds of your healthcare providers. Remember that healthcare costs can significantly influence insurance premiums, so understanding the factors that contribute to these costs can help you make more informed choices. By watching videos or reading guides on how health insurance premiums are determined, you can gain a better understanding of the complex relationship between healthcare costs and insurance pricing.

Lastly, stay up to date with any regulatory changes or updates that may impact your insurance coverage. The Division of Insurance within DORA is dedicated to assisting consumers by answering their questions, investigating complaints, and promoting a clearer understanding of insurance policies and procedures. They are committed to protecting consumers and ensuring a fair and competitive business environment in Colorado. By staying informed and proactive, you can effectively navigate the often complex world of insurance and make the most of your coverage.

Checking a business or professional license

The Department of Regulatory Agencies (DORA) is the state of Colorado's umbrella regulatory agency. It is responsible for managing licensing and registration for multiple professions and businesses, implementing balanced regulation for Colorado industries, and protecting consumers.

To check a business or professional license, you can visit the DORA website or contact their office directly. Their website offers a range of services, including license verification. By providing the relevant information, such as the license number, business name, or professional's name, you can verify the status and validity of a license.

Additionally, DORA provides resources to help consumers understand their insurance policies and navigate the insurance industry. The Colorado Division of Insurance (DOI), a part of DORA, assists consumers by answering questions, investigating complaints, and providing clarity on insurance coverage. Consumers can contact the DOI by phone or through their website to get their insurance-related queries answered.

It is important to understand your insurance policy, including what is covered and what is not. Knowing your network of doctors and how prescriptions are covered can help you navigate the healthcare system effectively. Being an informed healthcare consumer can not only save you money but also positively impact the insurance costs for everyone.

Filing a complaint with DORA

The Department of Regulatory Agencies (DORA) is the state of Colorado's umbrella regulatory agency. It is responsible for managing licensing and registration for multiple professions and businesses, implementing balanced regulation for Colorado industries, and protecting consumers.

If you need to file a complaint with DORA, there are a few things you should know. First, there are two types of complaints or reports that can be filed: a complaint against a licensed business or professional, or a charge of discrimination.

If you are filing a complaint against a licensed business or professional, you need to identify the license type or regulatory area that pertains to your complaint. This could include areas such as securities, insurance, or professions and occupations. For example, if you have a complaint about insurance, you would file with the Division of Insurance. If your complaint is about securities or possible investment fraud, you would file with the Division of Securities.

Before filing your complaint, be sure to register an account with DORA's Online Services. This will make it easier for the board or program to contact you if they have any follow-up questions and will allow you to track the progress and status of your complaint. Anonymous complaints are accepted, but providing your contact information will help DORA thoroughly address your complaint.

When filing your complaint, be sure to include as much information as possible and any related documentation. The more information DORA has, the better they will be able to address your complaint. You can file your complaint online or submit a hard copy.

Frequently asked questions