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Battling a Baffling Bill? Filing a Dispute with the Wisconsin OCI for Medical Bill Errors

Posted by Nathan DeLadurantey | Jul 08, 2024

A trip to the doctor shouldn't turn into a financial odyssey. But sometimes, medical bills arrive with errors or unexpected charges. Thankfully, Wisconsin residents have the Office of the Commissioner of Insurance (OCI) on their side! Here's a roadmap to filing a dispute with the OCI for a medical bill discrepancy.

Before You Begin: Consider Other Avenues

  • Talk to Your Provider: Firstly, reach out to the healthcare provider or billing department that issued the bill. Explain the errors you found and seek a resolution.
  • Review Your Explanation of Benefits (EOB): This document from your insurance company details what they covered and why. Understanding this can help identify discrepancies.

Is the OCI Right for You?

The OCI can mediate disputes between consumers and insurance companies regarding coverage and billing practices. Here's when it makes sense to file a complaint with the OCI:

  • Your Insurance Denied Coverage: If your insurance company denied coverage you believe should be applied, the OCI can help mediate the issue.
  • Billing Errors: The OCI can investigate discrepancies in the bill itself, such as inaccurate charges, coding errors, or duplicate billing.
  • Surprise Medical Bills: If you received a bill for out-of-network services you didn't consent to in advance (except in emergencies), the OCI might be able to assist.

The OCI Complaint Process: A Step-by-Step Guide

  1. Gather Documentation: Collect copies of your medical bill, EOB, insurance policy documents, and any communication you've had with the provider or insurer regarding the issue.

  2. File Your Complaint: The OCI offers multiple ways to file:

    • Online: The OCI website has a user-friendly online complaint form:

    • Phone: Call the OCI toll-free at 1-800-236-8517 (within Wisconsin) or 1-608-266-0103 (outside Wisconsin).

    • Mail: Download and print a complaint form from the OCI website, fill it out, and mail it to:

      Office of the Commissioner of Insurance P.O. Box 7873 Madison, WI 53707-7873

  3. Clearly Explain the Issue: State the problem concisely and factually in your complaint. Include relevant dates, names, and reference numbers from your documentation.

  4. Attach Supporting Documents: Submit copies of all documentation you gathered in step 1.

  5. Respond to Requests: The OCI might contact you for additional information. Respond promptly to keep the process moving.

What to Expect After Filing

The OCI will acknowledge your complaint and initiate an investigation. They will contact the healthcare provider or insurer and attempt to reach a resolution. This process can take several weeks or even months.

Alternatives to the OCI

  • Mediation: A neutral third party facilitates a discussion between you and the other party to reach a mutually agreeable solution. This can be faster than the OCI process.
  • Legal Action: If the OCI cannot resolve the issue or you disagree with their outcome, consider consulting with an attorney specializing in health law.


  • Keep Records: Maintain copies of all documents and communication related to your dispute.
  • Be Patient: Resolving billing errors can take time.
  • Know Your Rights: Wisconsin has laws protecting consumers from unfair billing practices. Research your rights to strengthen your case.

By following these steps and understanding your options, you can effectively navigate medical bill disputes with the help of the Wisconsin OCI.


Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online. 

About the Author

Nathan DeLadurantey

Nathan DeLadurantey ATTORNEY [email protected] Nathan is a skilled consumer lawyer who handles cases and trials all over Wisconsin. Phone consultations are always free and welcomed. Nathan has helped clients receive large jury verdicts and settlements stemming from consumer law violations, and is ready and able to assist.


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