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Air ambulance bills are covered by the federal No Surprises Act. Ground ambulance bills are not. Here is what to do about an ambulance bill or a denied ambulance claim.

What to do when your plan approved a service or said it was covered, then refused to pay the claim. Includes what Medicare Advantage plans may not do.

How to tell if a denial comes from a coding or billing mistake. Learn who must fix it, how to get the codes, correct the claim and ask the plan to reprocess it.

How to ask your plan to cover a drug that is not on its formulary. See who supplies the medical reasons and the Medicare drug plan deadlines.

What to do when your plan denies or reduces an emergency room claim. Learn the prudent layperson standard and why a plan cannot require prior approval for emergency care.

Your plan says you no longer need the level of mental health or substance use care you are in, such as residential or inpatient treatment. Here is how to keep care going while you appeal.

How to use the federal parity law when appealing a mental health or substance use denial. Learn which documents to demand and what is and is not being enforced as of 11 November 2026.

What to do when a plan says a service is not a covered benefit or is excluded. Check the plan document and the law, and see which arguments can still work.

What "not medically necessary" means on a denial. See what the plan must show you, how to build an appeal with your doctor, and when independent external review applies.

What to do when your plan denies or underpays care because the provider is out of network. Learn about network gap exceptions, continuity of care and the cases federal law protects.

Your plan paid an out-of-network claim but far less than the provider charged. Learn how plans set the allowed amount and how to use price benchmarks in a dispute.

Steps to take before, during and after care. They make a denial less likely and an appeal stronger. Get approvals in writing, confirm network status and keep records.

What to do when your plan refuses to approve a service before you get it. Also which decision deadlines apply to employer, Marketplace, Medicare Advantage and Medicaid plans.

What to do when your plan has not answered a prior authorization request, how long each type of plan has, and how to push a stalled request forward.

What to do when your plan limits how much of a drug you can get, charges a high tier price, or tells you to switch drugs. Also what Medicare drug plans must do.

How to ask your plan to skip the "try this drug first" rule. See what a step therapy exception request must show, and where state rules and Medicare drug plan deadlines fit.

Who the federal No Surprises Act protects, which out-of-network bills it bars, which it does not, and how to complain to the No Surprises Help Desk.

What to do when a claim is denied as filed too late, because another insurer pays first, or because the plan says you were not covered. See who has to fix each one.

What federal rules say about a plan cancelling your coverage back in time. A rescission is different from a cancellation for unpaid premiums. Here is how to appeal.