Federal + state complaint agencies
Where to file complaints when your insurer's internal + external review hasn't resolved the issue.
State-level free consumer-help programs for navigating health-insurance disputes. Created by ACA §1002.
Medicare beneficiaries (Original Medicare + Medicare Advantage + Part D) — for plan-level disputes, billing problems, and quality concerns.
Balance-billing and surprise-billing complaints under the No Surprises Act. Patient-side resource for NSA-protected services.
Medical-debt collection abuse, credit-reporting violations involving medical debt, and consumer-finance protection.
ERISA enforcement — for employer-sponsored health plans. Handles ERISA §503 appeal-rights violations, MHPAEA parity violations, and ERISA fiduciary breaches.
Report adverse events from drugs, biologics, devices, vaccines, and cosmetics. Useful for documenting drug-related insurance disputes.
Deceptive practices, fraud, and unfair business conduct by insurance carriers, brokers, or healthcare providers.
Discrimination in health programs under ACA §1557 (race, color, national origin, sex including sexual orientation and gender identity, age, disability) goes here. Also HIPAA Privacy Rule violations.
ACA Marketplace premium tax credit reconciliation, Form 1095-A errors, individual mandate (where state-imposed).
Coordinates state insurance regulation. Maintains the master directory of state insurance departments for consumer complaints.
SSDI / SSI disability claims, Medicare enrollment for under-65 disabled, Extra Help (LIS) for Medicare Part D.
Primary regulator for fully-insured commercial plans. Handles consumer complaints, conducts market-conduct exams, enforces state mini-COBRA + surprise-billing laws.
Contact: hello@denialhelp.com