Addressing Federal Agencies on Health Insurance Problems
Part 1: The Basic Tools, Chapter 3: Developing a Systematic Approach to Dealing with Health Insurance Page 21
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At times, a particular health insurance issue may relate to both state and federal laws or regulations. In such cases, it's generally best to begin on the state level. If state agencies or organizations are unable to help resolve the problem, you can then turn to federal agencies for help.
Once you've identified the appropriate state or federal agency or organization, the second step is to formulate a letter that is likely to result in a successful resolution of the problem. Your letter should be unemotional, highly factual, and very specific. It should focus on the immediate issue, and should not include a discussion of other issues that are not directly related. In addition, it should refer to the specific parts of your health insurance policy or to the specific state or federal laws or regulations that you believe may have been misinterpreted or incorrectly applied. If you're not certain which regulations are involved, you can keep the letter very general. However, the more specific you are the more likely it is that your request for help will be processed quickly.
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