Plan
Read it--Read again--then again. Become familar with it.
Insurance Denials
Follow the Plan. Become familar with deadlines.
Denials We learned a lot about how to fight Insurance Denials after reading "The Insurance Warrior" by Laurie Todd. Check her link out here. http://www.theinsurancewarrior.com/
Follow her guidelines if you are serious about winning an appeal. Read more about Ms. Todd at
http://www.carcinoid.org/insurance/index.shtml
State Insurance Commissioner
All plans are not governed by your State Insurance Commissioner. Read Your Plan.
U.S. Department of Labor
Your plan may be governed by the U.S. Department of Labor under the ERISA LAWS. Read Your Plan.
http://www.dol.gov/ebsa/compliance_assistance.html
This is an ERISA Site with Legal Information. I found it to be interesting.
If you have Medicare or your insurance company is governed under the ERISA LAWS, you may be interested in this site. It is helpful to read about other ERISA cases and it also includes a Supreme Court Watch section towards the middle of the page if you scroll down. . http://www.erisaclaim.com/court_watch.html
Lifetime Maximum Limit
Most insurance plans have a lifetime maximim limit. If you get close to reaching that limit and have no other source for medical coverage, you may want to learn more about the "Special Needs Trust". Refre to the Special Needs section at this site.
Keep copies of everything. Organize so you can refer back to it often.
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