S T A T E  O F  V E R M O N T
Department of Banking, Insurance, Securities
& Health Care Administration (BISHCA)
89 Main St.  Montpelier, VT 05620-3101    Main Phone:  802-828-3301  
Paulette J. Thabault, Commissioner

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(CON) Program
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Act 53/Health Resource Allocation Plan (HRAP)

Click logo below for information about a family of low cost and free health care programs for uninsured Vermonters, including
Catamount Health


      

 


Division of Health Care Administration

Consumer Services  Toll-free: 800-631-7788
  www.vthealthinsurance.info


HOW CAN WE HELP? 


I need to talk with a consumer help specialist about health insurance or a related issue.
  GO

I want to know about health insurance products and rates available in Vermont. GO

I want to appeal a denial of medical or mental health benefits, and/or know more about my rights as a consumer. GO

I want to know about continuation of health insurance coverage (COBRA) if I leave my current job GO

I want to explore filing a complaint against a health insurer. GO

I want to see hospital data for Vermont about quality and efficiency of patient care. GO

I want to see a list of all the consumer publications produced by the Health Care Administration. GO

I'm interested in other sources of consumer assistance outside of BISHCA.  GO

I would like information about Vermont's new health care reform initiatives and the Catamount Health Plan GO


  I need to talk with a consumer help specialist

If you are a Vermont resident and need to talk to someone about health insurance, managed care plans, or health care services you have received, the Vermont Division of Health Care Administration consumer services specialists are available to assist you.
The Health Care Administration's toll-free help line from within Vermont is:

1-800-631-7788.


  I want to know about health insurance products and rates available in Vermont

See web page: Health Care Administration Consumer Publications Find the specific guide to purchasing the type of insurance you are considering, as well as all available listings of comparative rates and carriers, within the general listing of  consumer advisories and "consumer tips" topics.   


  I want to explore filing a complaint against a health insurer or find out the best way to solve my problem:  

See web page: How to File a Complaint.
This site contains both guidance about what the Health Care Administration can do, and cannot do, to help you with a complaint. There is also a downloadable complaint form.  


 I want to see hospital data for Vermont about quality and efficiency of patient care.

See web page: Comparative Hospital DataIn 2003, the Vermont Legislature passed Act 53, "An Act Relating to Hospital and Health Care System Accountability, Capital Spending, and Annual Budgets." One of the requirements of Act 53 is that Vermont hospitals publish annual hospital community reports containing information about quality, patient safety, financial health, costs for services, and other hospital characteristics. The law also requires the Department of Banking, Insurance, Securities and Health Care Administration to publish some of that same information in a comparative format on this website. This site has links to the BISHCA data as well as to individual hospital websites which contain community reports. 


  I want to see a list of all the consumer publications produced by the Health Care Administration

See web page:  Health Care Administration Consumer Publications  General listing of consumer advisories and "consumer tips" topics including specific guides to purchasing the type of insurance you are considering, as well as all available listings of comparative rates and carriers.    


I want to appeal a denial of medical or mental health benefits, and/or know more about my rights as a consumer

In Vermont, if you have been denied payment or provision of health care benefits and believe that your  insurance should have covered the benefits that were denied, you must first attempt to settle any dispute with your insurer yourself, through their internal appeal process.  If you are unable to resolve the problem, you may then pursue an external appeal.  There is one appeal process for medical claims, and another for mental health claims.  
See web page:  Health Insurance: Your Consumer Rights


  I'm interested in other sources of consumer assistance outside of BISHCA

See web page:  Other Health Care Consumer Organizations and Websites  A listing of other sources of assistance, insurance coverage, and wellness resources on-line.