Your employer does have the right to insist on payment of medically necessary care. Sometimes the insurer's bad faith behavior has so outraged the employer, that the company threatened to move or actually did move all of its insurance coverage to another insurer. Write to every Insurance Commissioner in the states where you live, you work, your employer's headquarter is located, and where you receive your medical treatment. The claimant must exhaust all appeal processes set forth in the major medical insurance company's booklet and obtain written denials from the insurance company before a lawsuit can be properly maintained against the insurance company. Documentation is key to proving your compliance.
Patients have a right to receive a written denial of their claims and appeals.
If the insurance company fails to provide a written denial, a complaint should be filed with the Superintendent of Insurance in the state where the patient resides. Send all complaints with the insurance company by certified mail, return receipt requested. Before you file a complaint Consider whether or not you have a legitimate complaint. If your physician recommends LD-related medical care and your insurance company refuses coverage, you have a legitimate complaint. Find others in the same situation and share information.