Who should I call if I have any questions about filing a complaint?

You can contact the Alabama Department of Insurance at (334) 241-4141. The Department is open from 8:00 a.m. to 5:00 p.m. Monday through Friday.

What happens after the Department receives my complaint?

The Department will research, investigate, and resolve your complaint.[11] The Commissioner of Insurance will examine your account, records, documents, and transactions.[12] The Commissioner may question witnesses, request additional documents from other parties, and hold a hearing.[13] If the Commissioner determines that...

How do I file a complaint?

If you are an Alabama resident and you have completed the external review processes but still lack access to a treatment, you can file a complaint with the Alabama Department of Insurance (“Department”). Your complaint should include the following information:...

How long will the external review process take

The external review process should take no more than 60 days. If you request an expedited external review, the process should take no longer than four business days after your request is received.[8]

How do I request an external review?

If your insurer still denies you coverage after you requested an internal appeal or if your situation is urgent, you can request an external review of the insurer’s decision.[5] During an external review, an independent third party reviews your insurer’s decision.[6]...

What if I can’t wait for an internal appeal because my situation is urgent?

The internal appeals process should take a maximum of 30 days if you have not yet received the requested service or treatment and a maximum of 60 days if you have received the service or treatment but are waiting for...

How do I appeal the decision?

If your insurer denies your claim, you have the right to an internal appeal.[1] This means you can ask your insurer to conduct a full and fair review of its decision. To appeal the denial, you should do the following: Review...

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