Who has the power to win an appeal?
The insurer doesn't care if you need a treatment. They don't care if your doctor says you need a treatment.
There is only one question that any insurer cares about when deciding whether to approve your treatment: "Are we required to pay for this per the terms of your contract?"
Every insurance appeal is a contractual dispute. The good news is that YOU are the one who holds the contract. So YOU are the one who holds the power.
I know this because my first lifesaving appeal was for myself.
— Laurie Todd
The books
My 2018 book APPROVED: Win Your Insurance Appeal in 5 Days is a step-by-step guide on how to research, write and deliver a winning appeal.
Fight Your Health Insurer and Win (2007) is a classic resource for those just beginning the journey of Big Medical Trouble and insurance issues.
The books are available in paper and e-book form. Find them exclusively on the Books tab of this website.
Laurie writes appeals
Laurie writes and fights several appeals each month.
Want her to consider your case?
She will consider your case if ...● It's a high-dollar treatment
● You are ready to join the fight● There is science to support the request
Most of my appeals are not for denials.
They are for NETWORK issues.
Contact Laurie if your denial meets the conditions above.