BC-US--On the Money-Health Insurance Appeals,825
4 keys to appealing a rejected insurance claim
By TOM MURPHY
AP Business Writer
Keep calm and take notes.
Stay true to this principle and you can improve your odds of successfully fighting a health insurer's claim rejection.
Experts who help with the appeals process say patients have a 50 percent chance or better of prevailing. They say a winning argument may require heavy doses of research and persistence, but the end result is a decision that can stave off thousands of dollars in medical bills.
Certainly understanding the limits of your insurance, before you seek care, will help you avoid the frustration of having your claim denied. But if you get to the point where you need to appeal, here are some important points to remember.