STEP ONE – Notify Your Health Plan

The first thing you need to do is file a complaint with your health plan. By Alaska law, health plans must respond to complaints within 18 days. If you file an expedited complaint for an urgent health care matter, the health plan must respond within 72 hours. Follow the steps below to file a complaint and appeal with your health plan:

  • Call the member/customer service phone number for your health plan.
  • Tell them you want to file a formal complaint and then explain the problem.
  • You can also file your complaint by letter, email, or online through your health plan’s website (see below).
  • If you disagree with your health plan’s decision, you have the right to file an appeal.

Below are links to information and complaint forms for Alaska’s top health plans:

  • Aetna
  • Premera Blue Cross/Blue Shield
  • UnitedHealthcare
    • Log on to and complete the “Appeals and Grievance Form”
    • Select: Claims and Accounts > Medical Appeals and Grievances > Member Service Request Form
    • Fax or mail the completed form to the UnitedHealthcare address listed in the instructionsUnitedHealthcare
  • My plan isn’t listed

STEP TWO – File a Complaint

You have the right to file a complaint with the Alaska Division of Insurance if you have a problem getting the services you need, including quality and affordable health care. To file a complaint, you must first complete your health plan’s appeal process.

There are two ways to file a complaint against your health insurance company in Alaska:

For help with the process, you can call the Alaska Division of Insurance’s Consumer Services at 1-800-INSURAK.

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Know Your Rights

State and federal law protects your rights. When you sign up for a health plan and/or if you have problems accessing care through your health plan, it is important to know your rights.