State Insurance Commissioners

Every state has an insurance department (sometimes called a Department of Insurance, Bureau of Insurance, or Office of the Commissioner) that regulates health plans, accepts consumer complaints, and oversees the external review process when an insurer denies a claim for medical necessity. After you exhaust your insurer's internal appeal, your state insurance department is usually the next step — both as a complaint filer and as the entity that can order an independent external review.

Pick your state below for the complaint URL, external review intake, balance billing protections, and free consumer help resources available in your state.