Many prospective insured are of the opinion that a cheap health insurance quote will not afford many claim options. With health insurance coverage, from the most expensive health insurance quotes to the marginal or cheap health insurance quote, there will be coverage denials on the EOB (eligibility of benefits) forms. Insured persons should be aware that a denial of coverage is one claim adjustor's opinion. However, the opinion in a health claim denial is open to negotiation, rescission and reversal. The denial of a health insurance claim gives the insured many claim options, including debate and discussion followed by formal claims appeals. If all else fails, request an investigation by the state insurance commission or regulatory board. The denial is not written in stone and not a reason to metaphorically "roll over and play dead," this is the time when one should become the "squeaky wheel" and bring attention to the injustice, if one has indeed been committed.

The first step is to initiate a dialogue with the insurer to clearly state your case and the reasons why you feel the claim should be paid. It is critical to have at your disposal accurate and thorough medical records, the names and dates of any contact with insurance company representatives, and statements relating to your treatment, especially if medical necessity is questioned. Often, the claim denial is simply an error in judgment on the part of a stressed and overworked claims adjustor, which can be readily amended. Statistics confirm that there are more than 91,000 substantial formal claims complaints filed with the Department of Labor annually

The Kaiser Family Foundation reports that more than half of health insurance customers report some type of claims issue with their insurer. Often it is just a matter of explaining the situation in a clear and concise manner with the appropriate documentation to essentially obtain satisfaction in claims denial matter.

If the discussion is nonproductive, the next step is to initiate a formal claims appeal by submitting your complaint in writing to the insurance company. On the letter clearly document your name, policy number, claim number, your points of contention or reason for the dispute, and what you would like e to realize in terms of a resolution; tell the company how you would like to see the problem solved. Include documentation from your physician or other authorities supporting your position.

The most critical and pivotal inclusions in a claims dispute are documentation, perseverance, and persistence. Essentially, the proverbial "squeaky wheel" gets satisfaction in these claim denial cases.