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 person filing the complaint (“Complainant”);
• The name of the insured individual, if different than the Complainant;
• The name of insurance company;
• The name of the agent or adjuster;
• Policy or claim number and date of loss;
• The details of the complaint; and
• What you consider to be a fair resolution.^[13]

Supporting documents. You should submit the following supporting documents with your complaint:

• A copy of your insurance card;
• Copies of coverage denials or adverse benefit determinations from your insurer;
• Copies of any determinations made by internal and external reviewers;
• Any materials submitted with prior appeals and complaints;
• Supporting documentation from your doctor;
• A copy of your insurance policy; and
• All responses from your insurer.^[14]

How to submit. The complaint may be submitted online here or mailed to the following address:

Nebraska Department of Insurance
941 O Street, Suite 400
P.O. Box 82089
Lincoln, NE 68501-2089 ^[15]