​Did you know that you have the right to appeal a denial by your health insurer or health maintenance organization (HMO)? Denials may include:

• ​A claim denial; 
• An authorization denial;
• Denial of a request to see an out-of-network provider 
• An approval for a lower level of care than you asked for;
• An approval for a provider who is too far away or has too long of a wait for an appointment time; or
• An approval for fewer visits than your provider thinks you need.

You are entitled to a written denial, unless you or your provider agrees to an alternative care plan. Uour health insurer or HMO must explain the denial to you in a letter that includes the reason for the denial, details about how to file an internal appeal with your health insurer or HMO, plus a dedicated phone number and email address to directly contact the right team in your health plan, This denial letter must also provide contact information for the Maryland Insurance Administration and the Maryland Attorney General's Health Education and Advocacy Unit to seek further help.

If you have any questions, or would like to see if you are able to file a complaint, or the denial of benefit involves an emergency case, call us at 800-492-6116. ​