Step by step procedure after receiving a denial

          1. READ YOUR INSURANCE POLICY BOOKLET CAREFULLY. HIGHLIGHT THE IMPORTANT AREAS AND STUDY THEM.

          2. WRITE A COMPLAINT LETTER TO YOUR INSURANCE COMPANY REFERRING TO YOUR INSURANCE POLICY BOOKLET.

          3. CALL THE INSURANCE COMPANY AND MAKE FRIENDS WITH ONE EMPLOYEE. CALL THAT EMPLOYEE EXCLUSIVELY.

          4. AFTER RECEIVING A REPLY TO YOUR COMPLAINT LETTER, WRITE A SPECIFIC RESPONSE LETTER EXPLAINING WHY THE INSURANCE COMPANY SHOULD PAY BASED ON WHAT THE INSURANCE POLICY SAYS.

          5. WRITE A LETTER TO OR VISIT YOUR HEALTH AND HUMAN SERVICES DIRECTOR.

          6. WRITE A LETTER TO YOUR STATE INSURANCE COMMISSIONER.

          7. WRITE A LETTER TO YOUR STATE DEPARTMENT OF CONSUMER AFFAIRS DEPARTMENT.