Denial Reason	Action	Appeal Prep	Next Step
Lack of Preauthorization	Contact provider	Request retroactive approval letter	Include letter with appeal
Out-of-Network Provider	Check provider status	Document if in-network at time	Send proof to insurer
Missing Info	Request full documentation	Gather provider docs	Attach with appeal form
Non-Covered Service	Review plan booklet	Cite plan wording	Quote contract in appeal
Billing Code Error	Get provider bill	Review codes with provider	Request corrected bill

• Gather denial letters from your insurer to understand what’s missing.
• Request itemized bills and receipts from your healthcare provider for accurate numbers.
• Ask for documentation of procedures performed and their medical necessity.
• Record dates and representative names from any insurer phone calls for future reference.
• Keep copies of all forms submitted to avoid miscommunication.

• Request records early, allowing at least one week for processing before submitting your appeal.
• Clarify to providers why each document is needed—this motivates faster response.
• Send reminders two days before your own self-set deadline to keep everyone on track.
• File all correspondence by date in your claim folder for easy review later.
• Highlight missing items in your checklist as you prepare documents.