Obtaining Auto Insurance

• Send a request to the insurance company by certified mail.
• Have your health care provider call the insurance company.
• Have your advocate or attorney call and write the insurance company.
• Contact your state legislator or senator for assistance.

• Communicate your needs to your health care provider and enlist their assistance.
• Verify health insurance coverage in writing.
• Obtain your Master Provider Agreement / Contract and read it carefully.
• Determine the appeals procedure and appellate time periods prior to pre-certification or payment decisions.
• If the requested benefit is denied, obtain the specific reason for the denial in writing from the insurance company. The burden of proof is the responsibility of the insurance company.
• Assert you health insurance appellate right. All internal appeals must be exhausted before an external appeal can be taken.
• Provide the health insurance company with requested medical records but not unlimited access to team meetings, treatment sessions, or discussions with your physician without a representative present.
• Reports of the treating physician should specifically refer to the language in your policy. Discharge planning should begin at the time of admission.

Protecting Yourself