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

You can contact the Iowa Division of Insurance at (877) 955-1212 or (515) 281-5705. The Division is open from 8:00 a.m. to 4:30 p.m., Monday through Friday.

What happens after the Division receives my complaint?

Once you file your complaint, the Division will send you an acknowledgment letter. The Division will then request a response from your health insurer and begin reviewing the information. If the Division finds that the health insurer has violated a...

How do I file a complaint?

If you are an Iowa resident, you can file a complaint with the Iowa Division of Insurance (“Division”). You can obtain the complaint form here. Your complaint should include the following information: The name, address, email address, and telephone number of...

How long will the external review process take?

The external review process will take no more than 60 days.[12] If you request an expedited external review, the process takes no longer than 72 hours after your request is received by the independent review organization.[13]

How do I request an external review?

During an expedited external review, an independent third party reviews your insurer’s decision.[6] You can request an external review of the insurer’s decision in the following circumstances: You requested an internal appeal, but your insurer did not provide you with a...

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

The internal appeals process should take a maximum of 30 days.[3] The initial denial letter from your health insurer will specify the amount of time they have to respond to your appeal.[4] You can skip the internal appeals process and request...

How do I request an internal appeal?

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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