What to do when your health insurance denies coverage

当您的健康保险拒绝赔付时怎么办

Life Kit

2025-09-18

22 分钟
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What happens when you get a medical bill for something your insurance should have covered? KFF Health News reporter Jackie Fortier outlines who talk to, what to say and how to appeal a denial from your insurance company.Have a question about navigating the health care system? Contact us here and you might be part of an upcoming episode of Health Care Helpline. Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy
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  • This message comes from the podcast Landlines with Allison Williams.

  • The girls and get-out actress and her lifelong best friends and early childhood educator and behavioral therapist invite you to join the group chat every new parent needs.

  • Listen wherever you get your podcasts.

  • You're listening to Life Kit from NPR.

  • Hey, it's Marielle.

  • I have gotten a number of surprise medical bills in my life.

  • More than I can count on one hand.

  • Bills for services that I expected my insurance to cover.

  • And every time my emotional response has been...

  • Rage.

  • Rage.

  • Because now I have homework to do.

  • Rage.

  • Because now I have to dig up my insurance card and call people on the phone and wait on hold

  • while they look into the matter.

  • Rage because the bill says do upon receipt and it feels like the clock is ticking.

  • Rage.

  • Because I had other plans for my lunch break.

  • Rage because why is our health care system like this?

  • I say all this because I want to acknowledge