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We're here to protect insurance consumers
Consumer publications
The Office of the Insurance Commissioner maintains a comprehensive library of publications to assist insurance consumers.
To order print copies: Use our Publication request form or Call 1-800-562-6900.
Publications are grouped under the following:
Auto
- Private passenger auto insurance company complaints
- A consumer's guide to buying auto insurance (PDF)
- Personal injury protection (PIP) insurance
- Gap insurance
- Understanding how insurance companies determine auto rates
- Mandatory auto insurance law
- Auto coverage and home health workers
Filing an auto claim?
- Vehicle total loss
- How insurers should calculate taxes and fees when settling total loss claims
- Subrogation and your rights
Health
- Compare rates for individual health plans
- Health savings accounts (HSAs)
- Paying for prescription drugs (PDF)
- What are direct health care practices
- Discount health plans
- What to consider before you buy a discount health plan
- Health insurance options for people with disabilities (PDF)
- Federal poverty level chart (PDF)
- Health insurance frequently asked questions
- Retirement and your employer or union-based health insurance (PDF)
- Protection for you and your insurance policy
- Health carrier complaints
- Basic Health plan publications (www.hca.wa.gov)
- Public Employee Benefits Board retiree monthly rates (www.hca.wa.gov)
Know your rights about health insurance
- Patient bill of rights - your rights as a health insurance consumer
- Commonly asked questions and answers about the Patients' Bill of Rights
- Losing your employer-sponsored health insurance (PDF)
- Your rights under COBRA
- Mandated health benefits
- Contraceptive coverage and insurance
- Women's direct access
- Every Category Law and your health insurance
Home
- Homeowners insurance company complaints
- A consumer's guide to buying homeowner insurance (PDF)
- Understanding how insurance homeowner rates are determined
- What is renters insurance and do you need it?
- Insurance and home business
- Disaster preparedness
- Home Inventory Checklist (www.insureuonline.org) (PDF)
Title insurance
- Title insurance - new rules
- Frequently asked questions about new title insurance rules
- Title insurance
- Consumer's guide to title insurance and escrow services (PDF)
Natural disasters
- Earthquake insurance
- Homeowner insurance and landslides
- Flood insurance
- Volcano coverage
- Wildfires and insurance
- FEMA disaster assistance contact information
Filing a home claim?
- Household inventory
- Insurance tips for homeowners
- Subrogation and your rights
- Mold and homeowner insurance
- Domestic violence and insurance
Life
- A consumer's guide to buying life insurance (PDF)
- Life insurance cautions
- Credit life and disability insurance (PDF)
- Life expectancy table
Medicare
- How to identify and report Medicare fraud and abuse
- 2012 Medicare covered services under Part A and B (PDF)
- Health insurance options for people with disabilities (PDF)
- Be aware! Don't be a victim of medicare fraud! (PDF)
Medigap (Medicare Supplement Plans)
- 10 standardized Medicare Supplement (Medigap) plans - Effective Jan. 1, 2012 (PDF)
- Approved Medicare Supplement (Medigap) plans - Effective January 2012 (PDF)
Medicare Prescription Drug Program (Part D)
- Tips to protect yourself from fraud (PDF)
- What to bring to your Part D counseling session. (PDF)
- Paying for prescription drugs (PDF)
- 2011 Medicare Part D stand-alone prescription drug plans (PDF)
- 2012 Medicare Part D stand-alone prescription drug plans (PDF)
- Getting help with Medicare prescription drug plan costs (www.ssa.gov) (PDF)
Medicare Advantage Plans and other options
- Medicare Advantage plans in Washington state by county for 2012
- Medicare Advantage plans in Washington state by county for 2011
- Health insurance options for people with disabilities (PDF)
- Medicare Advantage enrollment timelines (PDF)
- Medicare Advantage Plans: What you need to know before you buy (PDF)
Other types of insurance
- Long-term care
- Are you properly insured for summer fun? (www.naic.org)
- Crop insurance (www.usda.gov)
- Longshore and harbor workers' compensation insurance (WARP) (www.warp-uslh.org)
- Credit insurance: The safety net you need or a waste of money? (www.naic.org)
- Private mortgage insurance
- Travel insurance
- Commercial general liability insurance
- Warranties, service contracts, maintenance agreements & protection products
- Pet health insurance
Small business and non-profit insurance
- Insure U for small business (www.insureuonline.org)
- Getting started
- Your buying and coverage options
- Common terms and definitions
- Toxic clean up and insurance
- Subrogation and your rights
Credit scoring
- How credit history affects insurance
- Common questions and answers about credit scoring
- Effect of credit scoring on auto insurance underwriting and pricing (PDF)
- Implementation of credit scoring law (PDF)
Tips and more helpful information
- Buying insurance on the internet
- Choosing an agent or broker
- Glossary of insurance terms
- Winter weather and insurance coverage
- Comprehensive Loss Underwriting Exchange
- Identity theft - A guide for consumers (PDF)
- Small Claims Court
- What happens when an insurance company becomes financially troubled?
Annuities
Multilingual publications
Spanish
- Be aware! Don't be a victim of medicare fraud! (PDF)
- What to bring to your Part D counseling session (PDF)
- Part D tips to protect yourself from fraud (PDF)
- English - Spanish glossary of health insurance-related terms (PDF)
Chinese
- What to bring to your Part D counseling session (PDF)
- Part D tips to protect yourself from fraud (PDF)
- English - Chinese glossary of health insurance-related terms (PDF)
Korean
- What to bring to your Part D counseling session (PDF)
- Part D tips to protect yourself from fraud (PDF)
- English - Korean glossary of health insurance-related terms (PDF)
Vietnamese
- What to bring to your Part D counseling session (PDF)
- Part D tips to protect yourself from fraud (PDF)
- English - Vietnamese glossary of health insurance-related terms (PDF)
Russian
- What to bring to your Part D counseling session (PDF)
- Part D tips to protect yourself from fraud (PDF)
- English - Russian glossary of health insurance-related terms (PDF)
Updated 02/22/2012
Office of the Insurance Commissioner | Phone: 360-725-7000 Free insurance consumer hotline 1-800-562-6900 |
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