Challenging a claim The key to obtaining the maximum benefit from your insurance policy is to keep accurate records and to challenge any denied claims. Pay bills by check, and keep all of your canceled checks. Keep all correspondence from billing companies and insurance. Write down the date, name of person contacted, and conversation of all phone calls concerning insurance. Keep accurate records of all medical expenses and claims submitted.
Policyholders have the right to appeal a claim denial by their insurance company.
Make sure to get the reply in writing. We were making inquiries into hospice care, feeling it was time to explore that option. I found out that the only pediatric hospice provider in the state of Georgia was not on the preferred provider list. With these benefits, we would get 78 days of hospice care. I felt like my only options were reduced pediatric care or full benefits using adult services.