The Vermont Department of Financial Regulation (DFR) makes sure that health insurers and health insurance plans follow Vermont law.
- DFR writes regulations that protect consumers.
- DFR reviews health insurance premium rates.
- DFR plays a role in the insurance appeals process for external reviews.
- DFR handles insurance complaints.
DFR doesn’t regulate all health insurance plans. Many large employers have “self-insured” plans. DFR doesn’t regulate self-insured plans. Self-insured plans do not have to follow the same rules.
To see if your insurance plan is regulated by DFR, talk to your human resources department or call DFR at 1-800-964-1784.
Two Important DFR Rules
Two DFR health care rules are particularly important:
This rule includes consumer protections: confidentiality, good networks, reasonable wait times, appeal rights and other quality requirements.
This rule gives you access to health care prices, health care quality and other information so you can make good decisions about medical costs.