The Department will review your complaint and attempt to resolve the issue with your health insurer. Within a week of receiving your complaint, you will receive a written acknowledgment. In most cases, an investigator will send a copy of your complaint to the insurance company and request an explanation of its position. The Department will determine within three weeks after receiving a response from the insurer whether further action is needed. A complaint can take up to 45 days to resolve, but may take longer for complex issues. The Department may require the insurer to pay your claim, refund your premium, or issue a citation or fine the company for violations of the contract or state law.