If you are a Vermont resident and you believe your insurer did something illegal or unethical, 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 insurance company;
• Policy number, claim number, date of loss, date of service, and type of service;
• The type of coverage;
• The details of the complaint; and
• What you consider to be a fair resolution.^[16]

Supporting documents. You should submit the following documents as supporting information:

• 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 may be submitted online here, faxed to (802) 828-1446, or mailed to the following address:

Consumer Services
Department of Financial Regulation
89 Main Street
Montpelier, VT 05620-3101^[18]