Problem with your mental health insurance coverage? Here’s how to file a complaint or appeal

Oct. 3—You have the ideal to file a criticism if you consider your insurance company is not appropriately masking psychological wellness positive aspects.

Initially, try out to address the dispute your self

A lot of complaints are settled this way.

Get in touch with the insurance plan firm’s purchaser service number and speak to an agent. If they do not correct the issue, request to discuss to a supervisor. It aids to have your policy number ready right before you call. This can usually be found on your insurance card.

Request for a published response to your criticism so you have a report of the reply the coverage corporation offers you. Adhere to up in crafting. Describe your criticism and how you want the business to solve it.

If the difficulty is that your program refuses to fork out for treatment or denied a assert that you really feel must be covered, the Nationwide Alliance on Psychological Sickness has a template letter that could help you. To find the template, go to nami.org/Your-Journey and simply click on “individuals with psychological disease” and then “knowledge wellbeing insurance policy” and then “how to file an insurance grievance.”

If you cannot fix it this way

If that doesn’t get the job done, you still have choices.

If you won’t be able to solve a problem with your insurer, you can file a complaint with no matter what regulatory agency your kind of coverage system falls beneath. Officials will check out regardless of whether your insurance plan approach handled your difficulty effectively beneath the conditions of your system.

When you are all set to file a complaint with a regulator, it helps to initial collect: — The identify of your well being system and your insurance policies ID card. — Have a description of what happened and who was associated. — Copies of letters or messages between you and your insurance plan company.

Is your overall health program as a result of your job and a thoroughly insured program? Or did you obtain it as a result of the Reasonably priced Care Act Market?

Then the Ohio Section of Insurance is who you connect with. Speak to Ohio’s client expert services hotline at 800-686-1526, Customer.Grievance@Insurance policy.Ohio.gov, or fill out a grievance sort on line at insurance.ohio.gov.

Do you have a self-insured approach?

Some companies, in particular huge businesses, have self-insured strategies. If that’s the situation, you could have a title manufacturer on your insurance card like Aetna or UnitedHealthcare — which handles the administration — but your insurance policy statements are actually paid for by your employer.

If you have a self-insured prepare, you can file a criticism with the U.S. Department of Labor by calling 859-578-4680 or at DOL.gov.

Have Medicaid?

You can connect with the Ohio Department of Medicaid consumer hotline at 800-324-8680 or check out medicaid.ohio.gov.

Have Medicare?

If browsing for designs in open up enrollment year, Ohio Senior Health and fitness Insurance coverage Information Program hotline professionals at 800-686-1578 can enable consumers comprehend what psychological health care and medications different designs address.

Medicare does not have to stick to parity rules, apart from for price-sharing for outpatient psychological health and fitness providers.