Why Appealing Your Insurance-Claim Denial Could Pay Off

为何上诉保险理赔拒绝可能带来收益

WSJ Your Money Briefing

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2025-02-13

10 分钟
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Health insurers deny about 850 million claims per year, but less than 1% of patients appeal. Studies show that up to three-quarters of claim appeals are granted. Wall Street Journal reporter Julie Wernau joins host Ariana Aspuru to discuss how patients who fought back won.   Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices
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  • This episode is sponsored by Northern Trust Wealth Management.

  • There is more to being a successful entrepreneur than just good business practices.

  • What is it about an entrepreneur's childhood that helped fuel their entrepreneurial spirit?

  • What are entrepreneurs doing to cultivate this spirit in their own children and build a legacy beyond their business?

  • Tune in each month to the Road to Why podcast by the Northern Trust Institute,

  • where host Eric Shapaea dives deeper with leading entrepreneurs on these topics and more.

  • Find the Road to Why where you listen to your favorite podcasts.

  • Here's your money briefing for Thursday, February 13th.

  • I'm Mariana Asburu for the Wall Street Journal.

  • Appealing a medical claim can be an overwhelming process involving complex paperwork, obtaining letters from doctors,

  • and spending hours on the phone, often during one of the most difficult times in a person's life.

  • However, studies show that up to three quarters of claim appeals are granted.

  • It might have been your doctor put in the wrong code,

  • or said that they were going to get it from an out-of-network pharmacy,

  • but it turned out that you could have gotten it in an in-network pharmacy, right?

  • There are a lot of things that sometimes are not actually huge barriers for their insurer.

  • We'll talk with Wall Street Journal reporter Julie Warnow about how some patients have appealed and won.

  • That's after the break.

  • This episode is sponsored by Northern Trust Wealth Management.

  • There is more to being a successful entrepreneur than just good business practices.