Your health insurance says, 'Claim denied.' How to fight back
A letter arrives in the mail. Oh, great: It's from your health insurance company. It contains some variation on the phrase "Your claim has been denied" and possibly "You may file an appeal to challenge this decision." There's probably also an alarmingly large dollar amount with "patient responsibility" next to it.
Take a deep breath. You are not on the hook for this bill just yet, and you probably didn't do anything wrong to make this happen. There is a process to get your insurer to look into this again before you have to pay anything.
It may all sound too daunting to deal with, or it may not be clear what steps you need to take.
"Health plans are not consumer friendly, and plan documents are often filled with fine print and legalese, which is intimidating for many people," Ashira Vantrees, a staff attorney for , a nonprofit organization that advocates on behalf of healthcare consumers
