STEP ONE – Notify Your Health Plan

The first thing you need to do is file a complaint with your health plan. 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 (see below).
  • Contact the Maryland Attorney General’s Health Care Education and Advocacy Unit for help in filing your appeal: (877) 261-8807.

Below are links to the complaint forms of Maryland‘s top health plans:

Medicare Plans


STEP TWO – File a Complaint

You have the right to file a complaint with the Maryland Insurance Administration (MIA) if you have a problem getting the services you need, including quality and affordable health care. You must complete your health plan’s appeal process before you can file a complaint with the MIA.

  • You must file a written complaint, including a signed consent form, within four months after receiving your health plan’s decision.
  • Provide copies of all documentation relevant to your case.
  • Download the complaint form here and mail to the MIA address below or fax: (410) 468-2260.
  • Find more information on submitting a written complaint here.
  • Call the MIA helpline: (800) 492-6116.

Maryland Insurance Administration
Attn: Consumer Complaint Investigation re: Health Insurance
200 St. Paul Place, Suite 2700
Baltimore, MD 21202

Share Your

My Patient Rights can help guide you in resolving issues so you can get the health care you deserve.


Find answers to commonly asked questions.

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.