But some companies persist in denying coverage, and claim that they will not include stem cell transplant as a benefit until the clinical trial results conclude that it is superior to conventional chemotherapy. Insurance companies, generally, want to help patients. Often medical directors, who are physicians, make the decisions about what would be the best care. Approaching them as people who want to help is the way to begin. If you receive a denial of coverage, time is of the essence.
Many companies provide only a short period of time for an appeal.
You will need to appeal directly to the insurer before you will be permitted to file a lawsuit. A denial must be in writing. It should include information about how to appeal. There is almost always room for more discussion. Although you may feel angry or hurt, don't be disheartened.