Once your complaint is filed, you will receive confirmation and an assigned file number.[14] A copy of the complaint will be sent to your health insurer who must then provide a response within 21 days. A compliance specialist will then review your complaint and the insurance company’s response.[15] If the specialist determines that a law has been violated or the health insurer is not abiding by the insurance policy, the Commissioner of Securities and Insurance will request that the health insurer take corrective action.[16] The complaint process may take up to 90 days.