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Health Insurance Basics

Health insurance is an important part in taking care of your health and protecting yourself against costly expenses.

No one plans on getting sick or into an accident, but when it happens you might find yourself struggling to pay health care bills. Health insurance can help pay for these very high expenses. Receiving regular health care through your insurance can also help prevent or manage serious illnesses.

The Minnesota Department of Commerce is here to help you understand your health coverage. If you haven’t had insurance before, you might be unsure on how to find a doctor or how to pick the right health plan.

Making a complaint

If you have a complaint or are denied coverage for a claim and are dissatisfied, contact your health plan. Ask for more information on why the claim was denied. You may be able to file a complaint or grievance.

If you are not satisfied by how your health plan resolved the complaint or have questions about your rights, contact the Commerce Department’s Consumer Services Center at 651-539-1600 or (800) 657-3602. 

Complaints can also be sent by email to


  • During the internal and external appeals process, your health plan can’t reduce or stop coverage for ongoing treatment.
  • You have six months from the day of your last claim denial to file an appeal for both external and internal review.
  • Contact your health plan for details on its internal review process.
File an external appeal
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