You can appeal the decision directly with the insurer and provide more documentation to support your case. Your State Health Insurance Assistance Program (SHIP) offers free counselors to help guide you through the appeal process. You can also contact your state insurance department to get support for the denial.You can appeal the decision directly with the insurer and provide more documentation to support your case. Your State Health Insurance Assistance Program (SHIP) offers free counselors to help guide you through the appeal process. You can also contact your state insurance department to get support for the denial.