HOWTO: Appeal Denial of Care

We all know that health insurance companies are evil. What we don’t know is what to do when our evil health insurance company denies our claim.

If you don’t have time to call John Grisham and ask him to write a bad legal thriller about you, you might want to brush up on these strategies for appealing a denial of care judgment.

• Follow the companies procedure for referrals and appeals. Understand your coverage! This will save a lot of time and pain.

• Appeal through your plan. Companies may have different procedures for different kinds of appeals. Learn the rules and stick to them.

• If you’re not satisfied with the internal appeal process, get an external review. External review programs vary by state to state, so learn the rules in your neck of the woods. Good luck with your gastric bypass.

[Consumer Reports]