First you may want to review your plan documents for specific details on how to file an appeal if your claim is not paid. You will usually need to submit your request in writing. You may be required to attach a copy of the denial notice along with your letter so your insurance company can forward your appeal to the appropriate department for review. State the reason for your appeal and document your reason to overturn the denial. Keep a copy of everything you send and contact your insurance company if you have not received notification that your appeal was received after 10 business days.
U. Horace Cartwright transforms himself into a referee to compare the appeals process to a coach's challenge on a close call.