If you are a Kansas resident and your insurer denies your coverage after the external review process, you can file a complaint with the Kansas Department of Insurance (“Department”).

Complaint information. Your complaint should include the following information:

• The name, address, email address, and telephone number of the person filing the complaint (“applicant”);
• The name of insurer;
• Policy number, claim number, and date of loss; and
• The reason for and details of the complaint.^[18]

Supporting documents. You should also 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 health care provider;
• A copy of your insurance policy; and
• All responses from your insurer.^[19]

How to submit. The complaint and supporting documents can be submitted online here, faxed to (785) 296-5806, or mailed to:

Kansas Department of Insurance
Attn: Consumer Assistance Division
420 SW 9^th Street
Topeka, KS 66612-1678^[20]