If your insurer denied your claim because your plan does not cover the treatment or service, and you do not qualify for an external review, you still have another option. You can contact the Employee Benefits Division (“Division”) to request an additional review of your health insurer’s decision.[12] The Employee Benefits Division can be reached by phone at (410) 767-4775 or (800) 307-8283, by fax at (410) 333-7104, or by mail at the following address:

Employee Benefits Division
Attn: Adverse Determinations
301 West Preston Street, Room 510
Baltimore, MD 21201[13]