Find contact information for your state's insurance department or commissioner, locate an agent, or file a complaint against an insurer.
Updated Sep 26, 2026Evidence-backed
The National Association of Insurance Commissioners (NAIC) keeps a directory of every U.S. state and territory insurance department, with contact details for the office that regulates fully-insured health plans where you live. Use it when your insurer has denied a GLP-1 claim or prior authorization and internal appeals haven't worked — the state insurance department is where you file a consumer complaint or ask how to request an independent external review.
Two things to know before you call: self-funded employer plans (governed by federal ERISA rules) are overseen by the U.S. Department of Labor rather than your state department, so ask HR which kind of plan you have first; and a state regulator can investigate improper denials but generally can't force coverage of a benefit your plan explicitly excludes. Our guide to escalation paths beyond your insurer explains when each route applies.
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Related terms
Semaglutide salt forms — Versions of semaglutide such as semaglutide sodium and semaglutide acetate, which the FDA says are different active ingredients from the semaglutide base used in approved drugs, with no known lawful basis for compounding.
Open enrollment — The annual window when you can enroll in or change your health plan, and the time to compare GLP-1 coverage across the plans available to you.
P&T committee (Pharmacy and Therapeutics committee) — The panel of physicians, pharmacists, and other clinicians that reviews the clinical evidence behind a plan's formulary: which drugs are acceptable, which are interchangeable, and what restrictions apply.
API (active pharmaceutical ingredient) — The raw drug substance in a medication that produces its effect — for example, semaglutide itself, before it is formulated into a pen or vial.
Related guides
NovoCare — Novo Nordisk's official patient support platform — savings programs, pharmacy delivery, and cost assistance for Ozempic, Wegovy, and other Novo Nordisk medications.
Applying for a GLP-1 patient assistance program: step by step — Novo Nordisk's PAP and Lilly Cares can provide Ozempic or Trulicity free to people who qualify by income and insurance status, but as of September 2026 neither covers Wegovy, Zepbound, Saxenda, or Foundayo. Here's who qualifies, the 2026 income limits in dollars, the documents you need, your prescriber's role, turnaround and renewal, what to do if you're denied, and how PAPs differ from savings cards and direct-pay.