The Regulators
Who regulates the health care products you buy? It's a combination of State and Federal. The State has the biggest part and you should look to them first to understand if your problem falls in their court or in the Federal realm. If you have a problem with the health plan, start with the health plan's grievance and appeal process. If this fails then you turn to the regulators for help. Remember that a good broker can help with this entire process.
California - Department of Insurance
California - Department of Managed Health Care
Nevada - Division of Insurance
