Insurance Coverage: Denied!

Some of your best allies can be your state's insurance commission, or, if a denial involves managed care, your state's managed care spokesperson. I was in a pickle, placed the call to the commission, and was so reassured and empowered. They know your rights and how to make sure you get what you're entitled to. One major thing is to always get your phone contact's name and position (and location sometimes in bigger companies), write it down in a log, and make some notes about what you accomplished in the call and what's needed to be done next. Often, just armed with facts of previous calls, I've gotten what I needed. Plus, I've been in a better positon to figure out what 'mistake' caused the denial.