Problems with Insurance Companies Not Complying with SB112
First make sure your client’s insurance was new or renewed after June 8, 2011. Then make sure it is not a self-funded plan. If both of those check out then go to http://insurance.ky.gov/ and on the left hand side panel there is a button that says file a complaint. You can either file it online or print the documents out and mail them in. The PT can do it on behalf of the patient, just ensure you check the boxes that correspond. The investigation should take no more than 30 days. Make a note on your calendar to follow up with the patient after 30 days. Typically the Kentucky Department of Insurance has been contacting the patient and not the PT with the results of the investigation.