A recent NBC News investigation revealed a troubling trend: health insurers increasingly deny treatments and screenings recommended by physicians, leading to delays that can be life-threatening for cancer patients. If you or a loved one faces an insurance denial, it can feel devastating—but there are steps you can take to fight for the care you need.

Steps to Take When Denied:

1. Understand Your Plan and Rights

Identify whether your plan is state, federal (under ERISA), or employer-funded, as this will determine the appeals process. If self-funded, consider discussing an exception directly with your employer.

2. Appeal Quickly and Collaboratively

Work with your physician to appeal the decision. Provide detailed clinical information, including visuals, to humanize your case. Emphasize terms like “medical necessity” and request that everything be marked as “expedited” with a 72-hour response time.

3. Request Expert Review

Insist on a peer review by a specialist in oncology, not a general physician employed by the insurer. If internal appeals fail, seek an external review from an independent third party.

4. Leverage Advocacy and Legal Resources

File a complaint with your state insurance department, consult legal or advocacy groups, and contact state medical associations or legislators for additional support.

5. Explore Alternative Options

Seek financial aid through grants, crowdfunding, or patient assistance programs. Consider sharing your story with local media to raise awareness and gain community support.

6. Document Everything

Keep meticulous records of correspondence, including call reference numbers, emails, and case documentation, to strengthen your case.

Stay Persistent

Fighting an insurance denial is exhausting, but remember, you are not alone. Partner with your care team, advocate for your health and don’t hesitate to reach out to info@radiationbusiness.com for legal or advocacy assistance. Your persistence can make all the difference in securing the treatment you need and deserve.