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
My 2018 book APPROVED: Win Your Insurance Appeal in 5 Daysis 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.
Our Clients Say
"Laurie doesn't just know how to write an appeal—she knows how to deploy it for maximum impact.
The appeals went out on Sunday evening. We had our "yes" by Wednesday morning.
I had an adventure with an angel. When I go for surgery, I will be better prepared, in better health and with even more to be gratelful for."
"I got a personal phone call from UnitedHealthcare thirty-six hours after submitting my second-level appeal.
They approved my lung cryoablation. Your book was a lifesaver!"
"Thanks to your book, I understood how an appeal should be pursued—and that it is not about writing a polite formal letter.
I'm 100% sure that my surgery is possible due to your intellect, hard work and shared experience.
Your book changed my life.