How to Appeal a Denied Insurance Claim

Just because your insurance claim has been denied, does not mean that you have to take it lying down. You can appeal any claim denied by your medical insurance provider. It will take familiarizing yourself with the facts, and staying on task.

Instructions

• 1

  Read your policy. This is the most important thing to do, and it should be done first. Having a firm grasp on what your insurance policy says about your coverage will help you appeal a denied insurance claim.

• 2

  Get help. If you are having problems understanding the fine print, either call the company themselves or talk to your HR rep if it is a policy through your employer.

• 3

  Call and get all of the information from the insurance company regarding what you will need to appeal the claim. Make sure to document who you spoke with, write down every step and record all pertinent information.

• 4

  Write a letter. With all of the information you have gathered, send a letter to the insurance company stating that you would like to appeal your denied claim. Be sure to include copies of all medical bills, documents required for the appeal and records of the steps you have taken before writing the letter.

• 5

  Keep track of the appeal process. Some larger companies can take weeks, even months, to process your appeal. Continually call and check up on the progress with the insurance company.

• 6

  Have your doctor and any employer sanctioned advocacy group help you in your appeal. A denied insurance claim can slip through the cracks, but if you have professionals on your side they will take notice.