If your situation is not urgent and insurer denies your claim, the first step may be to request an informal reconsideration.[1] The informal reconsideration process provides an opportunity for your health care provider and the insurer to discuss your medical condition in detail and, if possible, resolve the matter without a formal appeal.

Not all insurers require an informal reconsideration. Check your policy or call your insurer to determine whether your insurer mandates this step. If your insurer does require it, call or write to your insurer and ask it to reconsider its decision not to cover your treatment.[2] This process should take no more than 30 days. If your insurer denies your claim again, request a formal appeal.[3]