Tuesday, August 16, 2011

How to appeal when your health insurer refuses to pay for something

Few people know that when their health insurer refuses to pay for something, you can appeal that decision.
Fewer still know how to do it.
To help, we've prepared a guide to appeals, including sample templates and example letters you can send.
It can be a complex process, mainly because the appeal rules are different depending on what kind of plan you have. But the guide helps you figure that out. We offer tips, things to avoid, and pointers for writing a good appeal letter.
Key things to remember: Your health plan CANNOT drop your coverage or raise your rates because you ask them to reconsider a denial. You CAN appeal. It's your right.
And you can win. Even if your insurer turns you down, you can appeal to an independent third-party, which has the power to reverse a denial. Over the past three years, nearly a quarter of consumers who took their appeals to an independent review organization were successful.
Check it out.