The Administration protects consumers from illegal insurance practices.^[14] If you are a Maryland resident and you believe your insurer did something illegal, you can file a complaint with the Administration.

Information. You can find a copy of the complaint form here. Your complaint should include the following information:

• The name, address, email address, telephone number, and relationship to insured/patient of the person filing the complaint (“Complainant”);
• The name, address, email address, and telephone number of the insured/patient, if different than Complainant;
• The name of the insurance company;
• If a group plan, the name of the group policyholder;
• Policy or member identification number, claim number, date of claim;
• If an employer-provided policy, the name and address of the employer;
• The name, address, and telephone number of the treating health care provider;
• A brief explanation of the problem; and
• What you consider a fair resolution.^[15]

Supporting documents. You should include the following supporting documents with your complaint:

• A signed medical record release form (included with the complaint packet);
• 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 appeals and complaints;
• Supporting documentation from your health care provider;
• A copy of your insurance policy; and
• All responses from your insurer.^[16]

 How to submit. You should submit your complaint and the supporting documents by fax to (410) 468-2260 or by mail to:^[17]

Maryland Insurance Administration
Attn.: Consumer Complaint Investigation
200 St. Paul Place, Suite 2700
Baltimore, MD 21202