Link: https://old.reddit.com/r/LifeProTips/comments/1tu6hw7/lpt_how_to_fight_a_health_insurance_denial_with_a/

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The original was posted on /r/lifeprotips by /u/hcbaron on 2026-06-01 21:31:16+00:00.

Insurance companies are automatically denying claims at an alarming rate, even if it's medically necessary. They put the onus on you to get an external review, but most people just give up. Apparently only 1 in 10,000 patients ever resort to external reviews when their insurance provider denies an insurance claim on the grounds that it wasn't medically necessary. An external review through an independent third party can make all the difference.

Some caveats:

• The claim usually has to go through the internal appeals process of your insurance provider first.
• You must have received a final denial letter from you insurance provider.
• You must file the external review process within 4 months of the final denial.
• Urgent or life-threating situations may be eligible for expedited external reviews.

Source: How to Fight a Health Insurance Denial With a Little-Known Tool (ProPublica)