If you are a Kentucky resident and your insurer denies your coverage after the impartial appeal process, you can file a complaint with the Kentucky Department of Insurance (“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, address, and telephone number of the insured individual, if different than the Complainant;
  • The name of insurance company;
  • Policy number, group number, and the name and address of the agent/adjuster; and
  • The details of the complaint.

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 impartial 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.[16]

How to submit. The complaint may be submitted online here, faxed to (502) 564-2728, or mailed to:

Kentucky Public Protection Cabinet
Department of Insurance
P.O. Box 517
Frankfort, KY 40602-0517[17]