Where can you seek help for medical insurance issues?

State insurance departments:

State insurance departments regulate health insurance companies and can provide information and assistance to consumers. Contact information for state insurance departments can be found on the National Association of Insurance Commissioners website.

Consumer assistance programs (CAPs):

CAPs are state-based programs that provide free or low-cost assistance to consumers with health insurance issues. CAPs can help consumers with problems such as:

- Enrolling in or changing health insurance plans

- Understanding health insurance coverage

- Filing claims

- Appealing denied claims

- Resolving disputes with health insurance companies

The Health Insurance Marketplace:

The Health Insurance Marketplace is a federal website where individuals and families can shop for and purchase health insurance plans. The Marketplace also offers free or low-cost assistance to consumers through its call center and in-person help centers.

Legal aid organizations:

Legal aid organizations provide free or low-cost legal assistance to low-income individuals and families. Legal aid organizations can help consumers with health insurance issues such as:

- Denial of coverage

- Unfair claim practices

- Discrimination

Contact your local or state bar association to find a legal aid organization near you.