Document everything - Note dates and times of appointments or conversations related to your complaint. Keep copies of all written documents related to your dispute. Contact your health plan immediately. Sometimes the problem can be solved by bringing it to the attention of the company. By calling, you also start a traceable record.
Many plans have toll-free telephone numbers.
Clearly explain the problem - Be clear in explaining your problem. If the health plan representative cannot solve your problem immediately, ask what response time your should expect. Include your full name, the insurance company name, your policy and policy number, test results and doctor's statements. State what you want your health plan to do. If your initial appeal is denied, appeal again - If your problem is not solved by an initial call and letter, you should appeal your grievance to another level within your health plan.