If your health insurance refuses to cover a test, treatment, medication your doctor says you need?

Before you dig into savings and pay out of pocket, Consumer Reports says you have a guaranteed right to appeal. And the good news is that it's not that hard to do.
Full story: https://www.wral.com/5-on-your-side-h...

What do you do if your health insurance provider refuses to cover a test, treatment, or medication your doctor says you need? Before you dig into savings and pay out of pocket, Consumer Reports says you have a guaranteed right to appeal. And the good news is that it’s not that hard to do.

According to a report from Kaiser Family Foundation, about 18 percent of in-network claims from people insured through an Affordable Care Act plan were denied in 2020.

But that doesn’t mean you should immediately pay for the treatment yourself, or worse, go without care. Consumer Reports says you have the right to appeal the decision, and that goes for Medicare or private health insurance.

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