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Guide

Insurance Appeals Playbook
3/7

Step 1

An internal appeal needs to make one clear medical case

The plan already knows it denied the claim. What you are sending now is the medical case for why this treatment is necessary for this patient now, with the records to back that up.

Use their form

Use the exact form, upload path, or mailing method the plan requires.

Track both dates

Calendar the filing deadline and the date the plan is supposed to answer.

Save proof

Save upload receipts, fax confirmations, certified mail proof, and call reference numbers.

Before you send it, check the packet

0/6 included

You still have 6 items to gather before you send the appeal.

  • File the internal appeal in writing using the form, upload path, or mailing method the plan requires.
  • Include the patient name, claim number, denied service, dates of care, and a short statement of why you disagree.
  • Attach the records that carry the case: oncologist letter, clinical notes, pathology or imaging, and any guideline support.
  • Use a trackable submission method and save the proof of upload, fax, or mail delivery.

What your packet needs to prove

"This treatment is medically necessary for this patient right now."

Ask your oncology team to say that plainly and support it with the record.

If someone gives you a verbal answer by phone, still ask for the written decision letter.