If you appeal a health claim twice, you may be able to request an independent review or go to your state’s insurance department, depending on the health insurer’s policies.
Health insurance companies usually perform an internal review in the first appeal. If you appeal the decision, the insurance company may perform a second internal appeal review or ask an independent third-party expert to perform a second review.
If that rejection is upheld another time, you can contact your state’s insurance department and request help. The state may review your appeal and work with the insurance company to resolve the issue.