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Arguments To Use Against An Insurer's Denial Of A Health Claim


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This document provides arguments to use with respect to each of the following reasons for denying a health claim. Whenever possible, look for information not previously given to the insurer. If there is no new information, at least try to include new evidence to help prove your case.

Do not be surprised if an insurer changes reasons for denying claims as it tries to avoid paying. Confront each reason as it is given. Be persistent. In this case, it pays often enough to be worth the effort.

When appealing a denial, be persistent, be persistent, be persistent. It pays off.

For sample appeal cover letters, see:

Please share arguments you use successfully either about these reasons or additional reasons for an insurer denying your claim. E mail: dlanday at survivorshipatoz dot org.

NOTE: For a sample cover letter to your doctor about helping with an appeal, click here. 

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