You can file a first level grievance with your health insurer if your insurer denies your requested service or treatment for any reason other than medical necessity. Reasons may include availability, delivery, or quality of health care services; payment of claims; or any disputes arising from the contractual relationship between you and the health insurer.[3]

To file a first level grievance, you or your health care provider should submit a complaint in writing to your health insurer.[4] Be sure to follow your insurer’s instructions for filing the grievance closely.