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If an insurance claim is rejected, your next steps will determine whether you win a reversal in your favor or stuck with a large bill.

Contact your health insurance company. A CLAIMS ADJUSTER should be able to, the denial and resolve the problem, if it's just a simple mistake, such as an incorrect diagnostic code. Make sure that a written record of your call, including the date, time and name of the person with whom you spoke. If you are not over with the call, the request to process a formal claim review.

Ask for help. Take the details to your personnel department or benefits administrator. He / she should be able to view the insurance for you or advise how to proceed. You might also want to ask your doctor to call or write your insurance explicitly explain why you needed the care you received.

Draft letter. If the claim is still denied, write to the Claims Manager and copies to higher ups, as the regional vice-presidents. Call your health insurance for the names and correct spelling. Politely explain why your claim should be and ask for a written reply to a specific date.

Apply pressure. If you still feel that your claim is legitimate and your insurer disagrees, a complaint with the state insurance regulatory agency. Many states allow you to do this online. How to find your state regulator, go to naic.org

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