Complaints & appeals 

Independent review

If you disagree with an action taken by Blue Cross and Blue Shield of Minnesota, call customer service for an explanation at the number listed on the back of your member ID card. If you aren’t satisfied with the explanation, you may request a review of your concerns. An independent review organization works with health plans and their members to review claims that have been denied.

Requesting a review

Complete a complaint form and send it to us.

Once you have completed our internal review process, if your complaint relates to a health care service or claim and you disagree with our decision, you may submit your complaint for external review by an independent review organization, the Center for Health Dispute Resolution.

Your written request for review must be submitted to the state commissioner along with a $25 filing fee. The commissioner may waive the fee in cases of financial hardship.

You may designate an individual to act on your behalf. You must make your designation in writing.

Questions?

If you have questions about the external appeal process, contact one of the following offices:

  • The Minnesota Department of Commerce — 1-800-657-3602
  • The Minnesota Department of Health — 1-800-657-3916

Important: If you are covered by a self-insured plan

State review guidelines do not apply to some self-insured plans. After you have completed our internal complaint and appeal process, review your summary plan description for any further appeal options.