If you are an Ohio resident and your insurer still denies your claim after the external review processes, you can file a complaint with the Department.

Complaint information. Your complaint should include the following information:

• The name, address, email 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;
• Group number, policy number, and claim number;
• The name, address, email address, and telephone number of the insurance agent;
• The details of the complaint;
• What you consider to be a fair resolution; and
• The reason for 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 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.^[17]

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

Ohio Department of Insurance
Consumer Services Division
50 West Town Street, Third Floor, Suite 300
Columbus, OH 43215^[18]