Your insurance claim was denied. Now what?

Insurance companies deny 20% of claims. Many for bogus reasons. Here's how to challenge their decision.

Why insurers deny claims

They're betting you won't fight back. Denials save them money. They have lawyers. You don't. So they deny first, pay later only if you push back.

Common denial reasons

"Pre-existing condition" (even when it's not). "Not medically necessary" (even when your doctor says it is). "Policy exclusion" (buried in fine print). "Insufficient documentation" (even when you sent everything).

How to appeal

Get the denial in writing. Request your full claim file. Get a second opinion on whether the denial is valid. Write a detailed appeal with supporting evidence. Most insurers have internal appeals processes you must exhaust first.

When to get help

Large claims. Repeated denials. Complex medical issues. Consider hiring a lawyer or claims specialist. For smaller claims, online dispute resolution can help you build a strong appeal without lawyer fees.

Start with evidence

Upload your denial letter, policy documents, and supporting records. Get instant analysis of whether the denial is legitimate. Then decide whether to appeal or accept it.