Minnesota Insurance Commissioner
Minnesota Department of Commerce — Insurance Division
Contact information
- Agency: Minnesota Department of Commerce — Insurance Division
- Title: Commerce Commissioner
- Phone: (800) 657-3602
- Address: 85 7th Place East, Suite 280, Saint Paul, MN 55101
- File a complaint: https://mn.gov/commerce/consumers/file-a-complaint/
- External review: https://mn.gov/commerce/consumers/external-review/
Balance billing & surprise billing protection
MN has surprise billing protections + federal NSA.
External review & appeal help
External review within 6 months of adverse determination.
How DenialHelp fits in
You typically need to file an internal appeal with your insurer before Minnesota 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 Minnesota Department of Commerce — Insurance Division for external review.
Frequently asked questions
How do I file an insurance complaint in Minnesota?
File online at https://mn.gov/commerce/consumers/file-a-complaint/ or call (800) 657-3602. 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 Minnesota?
External review within 6 months of adverse determination. Submit a request at https://mn.gov/commerce/consumers/external-review/.
Does Minnesota protect against surprise balance billing?
MN has surprise billing protections + federal NSA.
What if my appeal is denied by Minnesota 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 Minnesota Department of Commerce — Insurance Division regardless of appeal status.
Appeal your Minnesota 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