Understanding your right to appeal health insurance denials

If your health insurance denies a test, treatment, or medication, you have the right to appeal the decision, according to Consumer Reports. First, check if the denial resulted from a billing or paperwork error, which can often be easily corrected. If not, request a detailed explanation from the insurance reviewer and file a formal appeal with supporting documents, including a letter from your doctor. If the claim is still denied, you can seek further review by an independent third party or get assistance from your HR department or legal help, especially for Medicare claims.