‼️ What to do if your insurance denies coverage. I know our healthcare system is broken, and I hate that we even have to think about this, but I want you to know your rights just in case. 1. Ask the hospital or medical office for an itemized bill, then compare your itemized bill to the Explanation of Benefits (EOB) provided by your insurance. The EOB explains what medical treatments and/or services were billed and paid for (or not). It is very common for there to be mistakes. Look for any discrepancies. 2. If the insurance claims the service wasn’t medically necessary, make sure your provider sent the medical records about the service to the insurance company. The insurer will typically need to see the medical records, including any related labs, radiology and doctor's notes, in order to approve coverage. 3. All insurers MUST allow for a first level internal appeal for a denial of some benefit. You typically have 180 days from the date of the initial denial to file a first level appeal. 4. If your claim is still denied, you have a right to an external review at an independent third party. Insurance companies in all states must offer an external review process. Your insurer is required by law to accept the external reviewer’s decision. For more information, Google “health insurance external review in [Your State].” Hope this helps! 💕 #money #LifeHack #healthcare