Maine Insurance Commissioner
Maine Bureau of Insurance
Contact information
- Agency: Maine Bureau of Insurance
- Title: Superintendent
- Phone: (800) 300-5000
- Address: 76 Northern Avenue, Gardiner, ME 04345
- File a complaint: https://www.maine.gov/pfr/insurance/consumers/complaint_process.html
- External review: https://www.maine.gov/pfr/insurance/consumers/external_review.html
Balance billing & surprise billing protection
Maine has surprise billing protection law for emergency + certain non-emergency situations. Strong state law.
External review & appeal help
External review within 12 months of adverse determination. Maine has consumer-friendly process.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before Maine 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 Maine Bureau of Insurance for external review.
Frequently asked questions
How do I file an insurance complaint in Maine?
File online at https://www.maine.gov/pfr/insurance/consumers/complaint_process.html or call (800) 300-5000. 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 Maine?
External review within 12 months of adverse determination. Maine has consumer-friendly process. Submit a request at https://www.maine.gov/pfr/insurance/consumers/external_review.html.
Does Maine protect against surprise balance billing?
Maine has surprise billing protection law for emergency + certain non-emergency situations. Strong state law.
What if my appeal is denied by Maine 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 Maine Bureau of Insurance regardless of appeal status.
Appeal your Maine 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