If your insurer still denies your coverage after the external review process, 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 and address of insurance company;
• The employer name, if a group policy;
• Group or certificate number, policy or identification number, effective date, claim number, and date of loss;
• The reason for the complaint; and
• The details of the complaint.^[21]

Supporting documents. You should also 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 grievances and complaints;
• Supporting documentation from your doctor;
• A copy of your insurance policy; and
• All responses from your insurer.^[22]

How to submit. The complaint may be submitted online here, faxed to (573) 526-4898, or mailed to the following address:^[23]

Missouri Department of Insurance
P.O. Box 690
Jefferson City, MO 65102-0690