Archive for July, 2013
An insurance appeal letter is meant to help a client fight back a claim that often denies them coverage for a certain service. A claim letter denial can come from the insurance company directly and be an appeal letter template that states health insurance denial and then you are stuck with a large bill you are responsible for. The insurance appeal letter you write needs to address the points in your argument as to why you deserve the said coverage, and it must refute the denial on a plausible clause that gives credence to your claim.
If you have never written and insurance denial appeal letter then now would be a good time to learn how to write an insurance appeal letter. These days, it is not uncommon for insurance companies to try and deny coverage, therefore you will have to get used to writing an insurance appeal letter to refute their denial of coverage. You can speak with many people about how to write an insurance appeal letter and they may be able to offer some advice, but often many people will turn to the internet for more information. Often you can search and pull an insurance appeal letter template that can help you with how to write insurance appeal letter information that may just require you to fill in certain blanks to complete the form and have something you can submit the insurance company
The appeal process may take a while when you write an insurance appeal letter, but it will be well worth it when you get your bill covered and your ruling overturned. Too often people do not want to go through the trouble of writing an insurance appeal letter, because they do not think they can come up against the big insurance companies. What they do not realize is that they hold more power than they think, and if they just take the time to write the insurance appeal letter, they may be pleasantly surprised by the outcome.
The unfortunate truth of having to deal with an insurance claim is that something has probably gone wrong in your life. It could be an accident, a hospitalization, or damage to your property. Any one of these things is enough in itself to turn your life upside down. But when you add on a denial of a claim from your insurance company, the stress is exponentially greater. If you truly feel your claim was denied unfairly or incorrectly, you have the right (and perhaps the obligation) to write a letter of appeal to your insurance company.
Learning how to write an appeal letter for insurance is not as daunting as it sounds. In fact, you can find several insurance appeal letter templates online, where you simply download the file, fill in your own personal information, and state your case. Be sure you have all the pertinent account numbers, insurance codes (they should have provided you with these in the denial letter), and contact information. Then set about constructing your argument.
Find out what each denial code means and address each one individually. This may take some research, but the information is available. Bear in mind, too, that once you start your research, you may find that the denial code might indeed be valid for one reason or another. But if your research backs you up, then clearly and concisely present the reasons why you feel each particular code was misapplied. Be cordial and straightforward, and leave emotion out of it as much as possible. Try as best you can separate yourself from the personal issues the denial is causing, and deal with the matter in as businesslike a fashion as you can. More than one draft may be necessary.
If the dollar amounts are substantial enough, you may want to consider hiring a lawyer to write the letter for you. Lawyers already know how to write an appeal letter for insurance and a host of other situations as well, and if the amount the insurance company says you owe is a truly intimidating figure, it may well be worth the fee a lawyer would charge to make sure the matter is handled efficiently and professionally. Always be sure to weigh your options.
Sometimes it seems like all an insurance company is good for insuring is the denial of claims. The truth of the matter is, it is just more profitable for them to find any reason to deny a surgery or health procedure. If the condition is not immediately life threatening, there is a good chance the care it requires will be denied.
Luckily, we do not have to sit back and take it. Learning how to write an insurance appeal letter can turn the tables in your favor if you have been denied for the coverage of a service that you feel like you really need. Online, you will not have a difficult time finding an insurance appeal letter template for formatting issues, but I will outline the basics of how to write an insurance appeal letter, to help you begin the brainstorming process.
When it comes to learning how to write an insurance appeal letter, the first thing to keep in mind is professionalism. The goal is to make a convincing argument for why you need the coverage in question. Do plenty of research into the specific policies of your insurance company, and be sure to cite the claim letter denial in your intro.
If you can throw their own policies back at them as evidence as to why your insurance company should provide coverage, you are much more likely to receive an appeal. When teaching my students how to write an insurance appeal letter, I often instruct them to take on the mindset of a lawyer.
Pretend you are standing before a jury of insurance agents. Make your argument, make it strong, cite all relevant evidence and documents, and give them no reason to deny you twice. Make a few different drafts. Learning how to write an insurance appeal letter effectively takes practice. If the medical bills tied to the procedure you are appealing, you may actually want to consider hiring a lawyer to compose the letter for you.
Learning how to write an insurance appeal letter could be the difference between life and death. Good luck on your appeal, and let me know if you have any questions!