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File a Complaint

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

Please check the list below and choose the complaint type that most closely matches your issue.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

External Appeals

If you have a health insurance claim that has been denied by your health plan, you have the right to appeal that denial. The first thing you should do is contact your health plan and ask for more information on why the claim was denied. This is the first step in the internal appeals process and insurance companies are required to address your complaint within a strict timeline.

If you are still are not satisfied with the health plans's denial of your claim you may be able to request an external review. Review your summary of benefits on the appeals process. 

For the external appeals process, Commerce will work with an impartial third party to determine if the denial was justified. The health plan must follow the decision. However, if you are not satisfied with the result of the decision you have the right to appeal the decision in court.

File an External Appeal

Do you want to upload a document to a complaint you already filed?

Log into your Complaint Portal account


If you would like to ask a question or inquiry about an industry we regulate you may email us at and we will have an insurance investigator respond to you as soon as possible. You may also contact the Department of Commerce at 651-539-1600.

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