§ 5304. Appeals; process of claims. (a) Any applicant for insurance
through a plan governed by this article, any person insured under such
plan and any insurer affected may appeal to the superintendent from any
ruling or decision of the manager or committee.

(b) All participating insurers shall maintain an office in this state
or establish a communications system by direct toll free telephone line,
or otherwise, to conveniently process claims of the insureds.