AMERIBEN constantly denies coverage for standard procedures

I'm wondering if you can suggest where to go to or how to proceed legally against an insurance company - AMERIBEN -  that constantly denies coverage for medical procedures. Whether it be an MRI requested by a Dr., standard blood tests taken as part of an annual physical, lab cultures required for a pelvic infection, etc. Their standard response is "denied claim" - and then they say I have 180 days to submit tons of paperwork for an appeal - and then they have at least 30 days to respond. Of course in the meantime the physician or lab is wanting to get paid. Aren't there laws out there protecting people from this kind of rogue behavior by insurance companies? We have had nothing but trouble ever since we have had this insurance trying to get them to cover very basic medical issues.

[Amir Mostafaie]

Dear Mogo12,

You can file out a complaint with your state's department of insurance. I was unable to identify your state of residence from your profile so I am unable to provide you the specific link. Each state has a separate department of insurance. This agency is responsible for handling complaints against insurance companies. When submitting a complaint, make sure to attach the supporting documentation you prepared.

Sincerely,

Amir Mostafaie