Kentucky Insurance Commissioner
Kentucky Department of Insurance
Contact information
- Agency: Kentucky Department of Insurance
- Title: Insurance Commissioner
- Phone: (800) 595-6053
- Address: 215 W Main Street, Frankfort, KY 40601
- File a complaint: https://insurance.ky.gov/PPC/Consumers/Default.aspx
- External review: https://insurance.ky.gov/PPC/Consumers/HealthCareReform/Default.aspx
Balance billing & surprise billing protection
Federal NSA primary.
External review & appeal help
External review within 120 days of final denial.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before Kentucky will accept an external review request. DenialHelp drafts that internal appeal in five minutes from your denial letter — physician-ready, cited to medical evidence, and formatted for clean transmission to your insurer. If the internal appeal still loses, you can then file with the Kentucky Department of Insurance for external review.
Frequently asked questions
How do I file an insurance complaint in Kentucky?
File online at https://insurance.ky.gov/PPC/Consumers/Default.aspx or call (800) 595-6053. Most states will investigate insurance company conduct, send the complaint to the insurer for a written response, and report findings to you.
What is the external review process in Kentucky?
External review within 120 days of final denial. Submit a request at https://insurance.ky.gov/PPC/Consumers/HealthCareReform/Default.aspx.
Does Kentucky protect against surprise balance billing?
Federal NSA primary.
What if my appeal is denied by Kentucky insurance company?
After internal appeal denial, you can request external review through the state insurance department or its contracted Independent Review Organization (IRO). External review decisions are typically binding on the insurer. You can also file a complaint with the Kentucky Department of Insurance regardless of appeal status.
Appeal your Kentucky health insurance denial
Upload your denial letter — DenialHelp drafts a physician-ready appeal in five minutes. $39 first-level appeal, money back if we can't draft a strong appeal.
Get started →Contact: hello@denialhelp.com