If the external appeals review board upholds the insurance company’s denial, you have a few options available. It may be helpful to notify your State Department of Insurance of your denials. Most states will require you to complete a consumer complaint form. The insurance commissioner will review your submission and verify if your insurance company’s response is compliant with applicable state insurance law and policy requirements. In some cases, if it is determined that the insurance company’s position does not comply with state law, the state may require corrective action.
The National Association of Insurance Commissioners’ website is a resource to find contact information for your state’s insurance commissioner: http://www.naic.org/state_web_map.htm