State escalation
Massachusetts
Massachusetts Division of Insurance / Office of Patient Protection
Phone
1-617-624-6001File a consumer complaint
https://www.mass.gov/how-to/file-a-health-insurance-complaintMA Office of Patient Protection runs the state external review and is one of the more proactive consumer offices.
When to call the commissioner
- Insurer ignored your appeal past the legal response window (usually 30 days for post-service, 72 hours for urgent).
- Insurer denied a benefit explicitly required by state law (mental-health parity, emergency services, formulary exception, etc.).
- External reviewer overturned the denial but the plan still won’t pay.
- You suspect the plan is misapplying its own coverage policy or violating ACA prohibitions.
Verified 2026-05-06. If a number or link looks wrong, the official NAIC member directory at naic.org/state-insurance-departments is the canonical source.