Clusterheadaches.com Message Board


    
      
        Clusterheadaches.com Message Board
        (http://www.clusterheadaches.com/cgi-bin/yabb/YaBB.cgi)
      

        Supporter's Corner >> Supporter's Corner >> Appeal Insurance Denials
        
(Message started by: chawleyaz on Nov 12^th, 2006, 3:38am)

Title: Appeal Insurance Denials
Post by chawleyaz on Nov 12^th, 2006, 3:38am

My husband suffers from cluster headaches and has been to this site seeking help. He told me that many of the postings complain that their insurance will not cover the medications you need to get relief.

If you don't know, and you should have been told by your insurance carrier, you have the right to appeal any denial of coverage for your medical needs. I work for the state Department of Insurance and the laws in my state give you certain rights to appeal any denial of care or treatment.

Your insurance company should provide you with the information on how to appeal a denial of treatment. If they have not given you this information, contact your local department of insurance and file a health care appeal or a complaint against your insurance company.

You can find your state's website or contact information by going to the following link. http://www.naic.org/state_web_map.htm Click on the link for your state and look for information on health care appeals or how to file a complaint.

It may be worded differently for each state, and the laws may be different, but most states require that an insurance company provide you with the right to appeal a denial of coverage.

In some instances you can request an expedited review and they are required to review your situation and make a determination of coverage with specific timeframes.

Good luck and God bless.

If you need more information, email us at jemmybloocher1@gmail.com and we will try to answer your questions.

Title: Re: Appeal Insurance Denials
Post by LeLimey on Nov 13^th, 2006, 9:11am

Thank you so much for this post, I'm sure it will be very helpful to many people!
Helen