Services for Consumers - Health Insurance The North Carolina Department of Insurance understands that choosing an insurance policy can be confusing. There are a lot of things to consider when selecting an insurance policy—will your doctor accept your insurance? How do I know what is covered? Do I have to use certain hospitals? Where do I get insurance? Once you start to use your insurance, there are other things that you may start to consider as well, such as - how much money will I have to pay? What if I have trouble getting my treatment covered or what if I’m denied? The North Carolina Department of Insurance can help you with your health insurance questions and concerns. Our staff can help you: File a written complaint if you are not happy with an action taken by your insurance company Understand your rights and responsibilities regarding health insurance coverage File a medical appeal with your insurance company Request an external review if your claim was denied The topics below provide information and assistance to help resolve your concern. How can we help you? Call us toll-free at 855-408-1212.