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Tennessee insurance complaint and appeal help

Tennessee Department of Commerce and Insurance. Use this page to find where to file an insurance complaint in Tennessee.

• Complaint page: https://www.tn.gov/commerce/insurance/consumer-resources/file-a-complaint.html
• Department website: https://www.tn.gov/commerce/insurance.html
• Phone listed on the department's page: 615-741-2218
• Last verified: Not re-verified on October 20, 2026: the department's site did not return a usable robots.txt to our checker, so we stopped. We did not try another way to check. The link is unchanged; open it to confirm it still works.

External review

This state operates an external review process that meets federal standards, per KFF. Your final denial notice names who handles it. For some plans, including self-funded employer plans, a federal process applies instead.

We have not yet located a dedicated external review page on this department's site. Your final denial notice should say who handles it and how to ask.

Before you file

1. Many people appeal to the insurer first and keep copies; a complaint generally does not stop appeal or lawsuit deadlines.
2. Check whether your plan is state-regulated: self-funded employer plans are usually outside state jurisdiction.
3. Use the complaint summary letter to organize your answers, then use the department's own form.

This page is not an endorsement of any department or insurer. Phone numbers and web addresses change; check the department's page.