Consumer Protection in Private Health Insurance: The Role of Consumer Complaints. 2. There is a wide spectrum in the type of consumer assistance or ombudsman programs available to people with complaints about health insurance.
Table 10.2 identifies the different models of consumer assistance or ombudsman programs and their major features in the five states with such programs (New York being the exception). The NAIC Consumer Complaint White Paper is essentially silent on the role of ombudsman programs and is hence not included in this table.