If you are a Virginia resident and have completed the internal and external review processes, you can file a complaint with the Bureau.

Complaint information. Your complaint should include the following information:

• The type of insurance;
• The name, address, email address, and telephone number of the patient;
• The name, address, email address, telephone number, and relationship to patient of the person filing the complaint (“Complainant”);
• The name of the insurance company;
• Policy number, certificate number, or identification number; and
• A description of the issue.

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.^[18]

How to submit. The complaint may be submitted by fax to (804) 371-9944, or by mail to the following address:

State Corporation Commission
Bureau of Insurance
Life and Health Division
P.O. Box 1157
Richmond, VA 23218^[19]