Where your appeal goes, and who to complain to
Two facts that are federally published, so they can be checked: which external review process covers you, and which department regulates your insurer. What your state requires plans to COVER is not here — that is state law, and this site does not publish state-law claims it cannot verify against the source.
| Where you are | Who runs external review | Your insurance department |
|---|---|---|
| Alabama | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Alaska | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| American Samoa | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsNo online complaint portal is published for this jurisdiction. Use the contact details above. |
| Arizona | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Arkansas | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsThe complaint link on file was dead when checked. Use the contact details above. |
| California | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Colorado | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Connecticut | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Delaware | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| District of Columbia | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Florida | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsFile a complaint |
| Georgia | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsFile a complaint |
| Guam | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsNo online complaint portal is published for this jurisdiction. Use the contact details above. |
| Hawaii | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Idaho | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Illinois | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Indiana | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Iowa | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Kansas | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Kentucky | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Louisiana | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Maine | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Maryland | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Massachusetts | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Michigan | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Minnesota | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Mississippi | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsThe complaint link on file was dead when checked. Use the contact details above. |
| Missouri | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Montana | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Nebraska | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Nevada | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| New Hampshire | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| New Jersey | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| New Mexico | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| New York | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| North Carolina | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| North Dakota | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Northern Mariana Islands | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsNo online complaint portal is published for this jurisdiction. Use the contact details above. |
| Ohio | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Oklahoma | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Oregon | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Pennsylvania | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Puerto Rico | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Rhode Island | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| South Carolina | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| South Dakota | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Tennessee | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Texas | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Utah | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Vermont | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Virgin Islands | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Virginia | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Washington | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| West Virginia | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsFile a complaint |
| Wisconsin | The federal processHHS-administered, or an independent review organisation your plan contracts with. | Contact detailsFile a complaintLink listed by NAIC; this site could not load it to check, because the site blocks automated requests. |
| Wyoming | Your stateIt runs a process meeting or exceeding the federal standard. | Contact detailsThe complaint link on file was dead when checked. Use the contact details above. |
External review routes from CMS, insurance department links from the NAIC directory, both read on 2026-08-14. None of this reaches a self-funded employer plan — a state insurance department has no authority over one, whatever your card says.
Better covered elsewhere
- Movement Advancement Project — state bans on care for transgender youth
A different question from coverage: whether the care is lawful for under-18s where you live, not whether a plan pays for it. Covers every state, DC and the territories, and marks separately the bans that are on the books but not currently in effect — a distinction most reporting on this drops.
Last updated 2026-08-15 · Not legal or medical advice