Your complaint will be assigned to an investigator. The investigator will review the complaint and contact your health insurer for a response. The insurer has 14 days to respond. Once the review is complete, the investigator will notify you of any action taken.[20] The Department can force the insurer to cover the claim, or issue a citation or fine. If a death has occurred because of action or inaction by the health insurer, the Department can bring criminal charges against the insurance company. Complaints are usually resolved within 60 days.