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

You can contact the Montana Department of Insurance at (800) 332-6148 or (406) 444-2040 (in Helena). 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?

Once your complaint has been submitted, you will receive notification that the Department is investigating your claim.[16] A copy of your complaint will be sent to your health insurer, and the Department will request certain information from the insurer.[17] Your health insurer...

How do I file a complaint?

If you are a Nebraska resident and you still lack coverage after the external review process, you can file a complaint with the Department. Complaint information. Your complaint should include the following information: The name, address, and telephone number of the...

How long will the external review process take?

The external review process should take no longer than 45 days from when your request is received.[11] If you request an expedited external review, the process should take no longer than four business days after your request is received.[12]

How do I request an external review?

You must submit your request for external review to the Nebraska Department of Insurance (“Department”) within four months from when your insurer sent you the final decision.[5] Your health insurer should have provided you with a copy of the external review...

In what circumstances can I apply for an external review?

During an external review, an independent third party reviews your insurer’s decision.[3] Your insurer will no longer have the final say over whether to approve a treatment or pay a claim. You are entitled to an external review if your insurer...

How long should the internal appeals process take?

The internal appeals process should take a maximum of 30 days if you have not yet received the requested service or treatment. The internal appeal must be completed within a maximum of 60 days if you already received services or...

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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