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For health insurance, it’s sometimes more impactful to lodge a complaint with your state’s bureau of insurance. Each state regulates the insurers that operate within their state. These complaints typically get raised at a more senior level within the insurance organization.
Just adding on to EY. EY is right.
Insurance is regulated by the state so even in life insurance and annuities, the state has to approve the insurance product before any company can operate/sell that product in the state.
Can you be more specific? What kind of insurance?
Health insurance, specifically Cigna. They keep denying coverage for medically necessary scans and physical therapy.