What to Do When Insurance Says “No”

Always remember this first: When you are dealing with an insurance company, you are the client. They work for you. They have a responsibility to service your plan and respond to your requests. This matters because insurance companies will often respond more urgently and directly to you, the policyholder, than to a third-party provider. Your voice carries weight. So when a denial arrives, pause—and remember: this is not the end of the road.