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