Appealing a Denied Mental Health Claim: Step‑by‑Step Insurance Guide

1. Call your insurer – Have member ID, denial date, service, reason, and denial letter ready. Request clarification.
2. File a formal appeal – Follow plan’s process (usually written). Include medical records, provider letters, and clinical rationale.
3. Contact state insurance department – If appeal fails, file a complaint (NAIC website has contacts).
4. Seek legal counsel – An attorney can navigate ERISA/state law and represent you.

Tips: Document all communications; stay polite but persistent; utilize crisis resources (988 Suicide & Crisis Lifeline) if in distress.