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How To Appeal A Denial Of A Health Insurance Claim

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To appeal a denial of a health insurance claim:

Step 1. Find out why your claim has been denied.
Step 2. Review the appeal process.
Step 3. Focus on deadlines and procedures.
Step 4. Consult a professional. (Free advice is available).
Step 5. Prove your case with a strong argument and, if possible, new information.
Step 6. Obtain support for your position.
Step 7. Look for sources of influence.
Step 8. Write a cover letter.
Step 9. Once you've exhausted the insurance company's internal appeal process, consider an external appeal.

Be persistent when you follow up with an insurance company, whether it's about claim errors or the denial of a claim. Consumer advocates have found that being persistent -- letting the insurance company know that you will push and push until the claim is paid, and actually doing it -- often gets the insurance company to change their decision and pay the claim. Of course, if you decide at some point that continuing to push isn't worth your time -- that's also a valid choice.