10 Steps To Take If Your Health Insurance Company Denies Coverage

NEWPORT BEACH, Calif. - Sept. 25, 2023 - PRLog -- Key Takeaways

• You have the right to appeal and advocate for your own health and well-being.
• Billing mistakes do happen, and sometimes we misunderstand how the type of coverage we have works.
• The appeals process usually begins with the insured writing an appeal letter but you can also reach out for outside help.
• Persistence and understanding your policy can increase your chances of getting coverage for necessary treatment.

Nearly 17% of in-network claims were denied in 2021. Of in-network claims, about 14% were denied because the claim was for an excluded service, 8% due to lack of preauthorization or referral, and only about 2% based on medical necessity. [1] Dealing with an insurance denial can be a frustrating and emotionally draining experience. However, armed with knowledge, persistence, and the right resources, you can take proactive steps to challenge the denial and secure the coverage you need for your treatment. Remember that you have the right to appeal and advocate for your health and well-being.

If you received a notice of denial from your health insurance company regarding coverage for a necessary medical treatment, remember that denials are not final. Understanding your policy is important and so is writing a persuasive appeal, seeking help and staying persistent.

When you receive the denial letter, it should include information on how to initiate the appeal process along with details about any meetings or reviews that may be part of the process. It's important to stay organized as you follow the insurer's instructions.

Let's explore each of 10 steps you need to take when your insurance company denies coverage for treatment.

For the full article visit https://smartfinancial.com/denied-health-insurance