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Emergency room claim denied: your rights
Emergency care has special protections: no prior authorization, and in-network rates in most cases.
Check my letter freeNo prior authorization
Health plans cannot require prior authorization for emergency services.
Symptoms count, not the final diagnosis
Plans must look at the symptoms you had when you went to the emergency room, not only the final diagnosis.
Out-of-network emergency care
Under the No Surprises Act, emergency care is generally covered at in-network rates.
More guides
- How to appeal a health insurance denial
- External review: when the insurer says no again
- How to appeal a Medicare denial
- Letter of medical necessity: what your doctor should include
- Prior authorization denied: what to do