I feel like my health insurance plan is giving me a runaround. I can’t seem to get a straight answer to my question about my son’s physical therapy. Where can I go to make a complaint about a health insurance company?
Steaming but Stumped
Dear Steaming but Stumped,
You may have two questions here — one, how to get the insurer to answer you; and two, how to make a complaint about the insurer.
For your first question:
- If it is a group health insurance plan — through your employer — go to your HR person or your manager. They can get in touch with the insurance broker who sold them the plan.
- If it is an individual plan — one you bought on your own — go to the broker who sold it to you.
The broker will help you get the information you need.
For your second question:
- Your state will have a consumer assistance department, within its insurance regulatory bureau. Go to your state insurance bureau website and search for “filing complaint.” They will have a process for filing a consumer complaint.