If your health plan is with an insurance company and your coverage is still denied after the external review process, you can file a complaint with the Minnesota Department of Commerce. Your complaint should include the following information:

• The name, address, email address, and telephone number of the person filing the complaint (“Complainant”);
• The Complainant’s relationship to the insured individual;
• The name of the insured individual, if different than the Complainant;
• The name and address of the insurance company;
• The policy number, group number, certificate number, claim number, and date of loss/treatment;
• The name of the employer, if a group plan;
• The reason for the complaint; and
• A description of the problem.^[34]

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 doctor;
• A copy of your insurance policy; and
• All responses from your insurer.^[35]

You can find a copy of the complaint form here. You can also submit your complaint and supporting documents online here or mail them to:^[36]

Minnesota Department of Commerce
Attn: Consumer Protection & Education Division
85 7^th Place East, Suite 500
St. Paul, MN 55101