The Orcas Island Health Care District and Orcas Island Fire and Rescue continue to work together, along with other County-wide leaders, to resolve ongoing concerns related to Kaiser Permanente’s coverage for emergency medical air transport.

As a consumer, if you experience a denial from your insurance company for any covered service you can contact the Office of the Insurance Commissioner for WA State (OIC) for assistance.

The Insurance Commissioner’s office answers hundreds of insurance questions every day, and you can easily file a complaint against your insurance company on their website. You can also call the toll-free Insurance Consumer Hotline at 800-562-6900.

What the OIC can do:

  • Send your complaint to the insurance company and require them to provide an explanation for their actions.
  • Send your complaint to the Washington Healthplanfinder and ask them to resolve your concerns.
  • Review the company’s response to make sure they followed Washington state laws and your policy.
  • Tell the company to fix the problem if they didn’t follow the laws or your policy.
  • Try to find patterns of problems that may need further reviewing.
  • Try to help fix your insurance problem or help you and the company communicate with one another.
  • Help you understand your insurance policy.
  • Recommend places you can go for help if we don’t have the legal right to resolve your complaint.

What the OIC can’t do:

  • Act as your lawyer, give you legal advice or be your claims adjuster.
  • Make medical judgments or determine if further treatment is necessary.
  • Make liability decisions or determine who is at fault.
  • Establish the facts surrounding a claim (for example: who is being truthful when there are conflicting reports of the situation).
  • Determine the cause of loss, value of a claim, the amount owed to you, or act as your adjuster.
  • Address issues we can’t legally enforce.
  • Require the Washington Healthplanfinder to comply with state insurance laws as it’s not an insurance company regulated by our office.
  • Tell a company to pay a claim, refund a premium, or reinstate or issue a policy (if they followed the law and your policy).