What Should You Do When an HMO Denies Treatment or Coverage

What should you do when an HMO denies treatment or coverage?

A) Ask for a letter detailing the clinical reasons for the denial.
B) Refer to the plan document or contact your HMO's member services department to gather information on the appeals process.
C) Make copies of any correspondence, including payments, and any reimbursements.
D) Enlist the help of your doctor, employer, and state insurance department to lobby your case before the HMO.
E) You should do everything included in the other answers.