Step 1:
Identify the source of your coverage and the issue
| Where do you get your coverage? | Type of Plan |
|---|---|
| Do you and your family have insurance through your employer? | If yes, then you have a group plan |
| Do you have insurance through a public program? For example: Medicare, Oregon Health Plan, Healthy Kids, or another kind of state or federal program? | If yes, then you have a government-sponsored plan |
| Do you have a policy that you or a family member purchased directly from an insurance company? | If yes, then you have an individual plan |
Note: Not all types of plans are required to provide an appeal process. You may have something other than a comprehensive health policy or a "health benefit plan." For example, you might have a long-term care policy or a Medicare policy or disability policy. Contact the insurance company of the policy for appeals information.
